davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (FL)

After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of  XXXX   XXXX  ( on some credit report s )  & Planet Home Lending ( on others  ),  which ar e   one in   the same. I noticed that they have me opening a loan with them in  XXXX   XXXX , in which I have never opened a loan with them. My initial loan in  XXXX   XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court  's website, where all recording for mortgages and the like are shown. I immediately contacted    XXXX   XXXX    /Planet Home Lending and s poke with  XXXX  and explained to him the problem. I have contacted several people since that time,  XXXX  who represented herself as the supervisor as well as advised her of the situation,  XXXX , and I finally got fed up and sent an email to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  who is shown to be the President of   XXXX   XXXX  t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on  XXXX   XXXX ,  XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with  XXXX  again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared  XXXX  the email I sent to  XXXX   XXXX  at her request and she was to look into the issue and call me back. I learned after speaking with representative,  XXXX  today that per their credit department, they are accurately reporting and this is not true.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

XXXX XXXX XXXX on XX/XX/XXXX sent notice regarding XXXX XXXX  @ XXXX claiming {$510.00} as sums due. XX/XX/XXXX I sent dispute letter via certified mail requesting validation for said sums and informed them I was represented by legal counsel. XXXX XXXX XXXX received said correspondence on XX/XX/XXXX. Correspondence dated XX/XX/XXXX from XXXX XXXX XXXX claiming same amount, {$510.00} with itemization of charges. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by XXXX XXXX XXXX. As of today, XX/XX/XXXX XXXX XXXX XXXX has failed to respond to the dispute letter. Correspondence dated XX/XX/XXXX was received from Wakefield and Associates regarding XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX sent correspondence claiming {$860.00} as sums due for the very same account XXXX XXXX XXXX . In that correspondence they claimed to be responding to my correspondence to them. I had no correspondence with them regarding this or any other matter at the time. What they failed to disclose is that Wakfield and Associates and XXXX XXXX XXXX are one and the same - as per discussions with XXXX XXXX XXXX XXXX their client. XX/XX/XXXX I sent dispute letter via certified mail which was received XX/XX/XXXX by Wakefield and Associates. As of todays date Wakefield and Associates XX/XX/XXXX has failed to respond to said dispute letter. Each sum claimed was in contradiction with XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX statement of account. the On XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile by XXXX XXXX XXXX for yet another differing sum of {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX @ XXXX account. XX/XX/XXXX I was notified by XXXX of collection activity reported on my credit profile By Wakefield and Associates for yet another differing sum 0f {$330.00} for the XXXX XXXX XXXX XXXX XXXX XXXX @ XXXXXXXX . account. Further both of these entities disregarded the fact I was represented by legal counsel on this matter and never contacted my legal counsel - which was requested of them to do in each and every correspondence with them. The same company under different names acting as a third party attempting to collect a debt ; submitting claims with differing amounts for the same account, unable to disseminate the actual amount due and ts client 's billing, refuses to contact legal counsel, fails to respond to dispute letters and then files collection activity on credit profile with yet another differing amount violating Federal Fair Debt Collection Practices Act, and fails to dislcose that XXXX XXXX XXXX and Wakefiled and Associates are one and the same.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NC)

I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This vehicle account shows closed on two of my bureaus and open on another.

I have asked several times for a DETAILED breakdown of this account and details about when it was sold at auction but not being given the information requested
Consumer complaint received 2017-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Good morning, 4 years ago we bought our 1st home through FHA, late in life, I am XXXX my husband is XXXX and on XXXX due to a XXXX XXXX, We went through a loan modification with our 1st company OCWIN, we were approved for a permanent modification, they tacked on XXXX to the back of our mortgage which seems to be SOP, After paying the new rate for several months our mortgage was sold to XXXX XXXX XXXX ( ... this 2nd company refused to honor the modification and charged us XXXX XXXX dollars in escrow they said we owed, I cant understand that because we were current with all payments to OCWIN > Soon after we paid the XXXX they sold our mortgage to another company XXXX. ( this 3rd company also refuses to honor the commitment. <P/>I have been in contact with all these mortgage companies, i have all the relevant paperwork which has been sent to each company more than once. I have talked to their representatives several times by telephone. They dont even try to resolve the issue.. What happened to my escrow money? why is the XXXX still on the back of my loan and the permanent modification is not being honored? We are in severe financial hardship due to the reprehensible practices of these mortgage companies ... Thank you for your time and please help us sincerely XXXX and XXXX XXXX
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (HI)

On  XXXX   XXXX ,  2017 I init iated the lifting of my credit report freeze on all   XXXX   agencies . ( See att ached credit card transaction summary ).  XXXX  charged me {$5.00} on  XXXX . Experian charged me {$5.00} on  XXXX .     But Equifax charged me {$5.00} five separate times on  X/XX/17    for lifting the freeze one time.     A simple error which Equifax refused to address over the phone and insisted that I mail a copy of my credit card bill to their office in  XXXX . In other words, I have to waste my time, calling, copying, mailing, etc. in order to get Equifax to correct an obvious error for which they offered no explanation.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I fell behind on my payments with  my Macys cr edit card. I received a letter saying that I cold qualify for payment solutions and to call before  X/XX/17    ( at that point the account would be charged off & sent to collection s ). I  called on the  XXXX ,  XXXX  &  XXXX  between the hours indicated on my statement and letter, but the I got a recording that they were closed. On the  XXXX , I got a hold of someone who was surprised & told me that they changed their hours, but did not update their letters & statements. She also told me that I actually had until the  XXXX , so I was ok. When sh tried to transfer me to the dept handling my situation, she could not get through and sent them an email to call me betwee n 24-48 hours.  I did n't hear from them, so I called on the  XXXX . I was later told that they had called me on the  XXXX , as well, but I had just missed the call. I was also told that it would n't matter because it was too late ( even though I told them I had until the  XXXX  ). The representative told me I had to pay {$210.00} dollars on the phone with him, to be able o roll back my account- so I can apply for the payment solutions. I told him that I called several times, that I had just received a call and that I was within the timeframe. He still declined to help me unless I made a payment. I told him I was going to file a complaint. I decided to call and try to make the {$210.00} payment, but the new representative said that it was not going to help me either way. I also received a letter dated  X/XX/17   , asking me to call for a payment solution- also with the wrong hours etc.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

BETWEEN XXXX XXXX,2017 THRU XXXX XXXX,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LPSG (VA)

On  XXXX / XXXX / 2017 , I received an email from my e mployer (   XXXX   XXXX   ) a nd she had a received a voice email from a debt collection company (  XXXX  ). The call stated, '' that they was a legal processor and they were going to send legal documentation to garnish my wages and sue me in court, if I did not respond immediately.     So I called, company na me is ( LP Services Group ) su pposedly based out of California, telephone number  XXXX  or  XXXX .     I called and spoke to a  XXXX   XXXX , he said I owed {$920.00} to a credit card company  (   XXXX   XXXX   ) t hat I did not recognize. I asked, '' if he could send me documentation before I agreed to pay ''. He replied, no not until I made payment arrangements on said (, account #  XXXX   ).  He told me that if I did not pay we could go to court and the amount would go from said amount of {$920.00} to {$4000.00} for court fees and I would have a garnishment of {$400.00} a pay period. I was scared because I had a garnishment before and it almost made me homeless. I now only work  XXXX     and attend   XXXX   XXXX   and to have a garnishment of {$800.00} a month  would be a definite homelessness situation for me.     So, I complied, and I gave them my Credit union debit card information and the agreed amount every month would  be@  XXXX  for the nex t four m onth on the  XXXX  of each month. Well, to my surprise the money was not deducted or has not bee deducted as of today. I call the credit union and told them I think I had be scammed and they closed or cancelled my debit card account and will reissue a new number and card.     I was very vulnerable at the time of call and conversation and I talked to my family and I tried to locate company online and could not. I then went to BBB to locate and too check reviews and could not locate. Then I found another website and saw the different types of scams and realized that I had become a victim
Consumer complaint received 2017-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (UT)

Branch Bank and Trust is reporting 11 late  payments fr om  XXXX -  XXXX   ... We  were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to remove them.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ID)

XXXX   XXXX   , 2017,   I  contacted the   XXXX   XXXX   XXXX  . It was explained to me that my employer met the criteria for me to have my student loans forgiven after 10 years of on time payments. I scheduled to have the  XXXX  time  XXXX  $ fee broken up into different installments, and anticipated  XXXX  $ a month payments for 10 years, based upon my income. Unbeknownst to me o n  XX/XX/XXXX  I  was alerted via e-mail that I had to fill out an 'Employment Verification Form '. I had my employer fill it out and fax it TWICE, only to have Fedloan servicing or "   XXXX   XXXX   XXXX   '' as they also go by, tell me they should scan it and send it in an email. It was around this time that my lender,  XXXX  contacted me and let me know that in   XX/XX/XXXX  I   w ould have a payment come due with them. This was very peculiar and I started to think I had fallen victim to a scam. Why would I pay both them and  XXXX ? I asked. With no good answer I confronted the billing department and I told them that I did not think this was legitimate and they said if I did n't pay like I said, that they would report negative on my credit report. I will be reporting FedLoan servicing to the Better Business Bureau as well. Also I would like to note that  XXXX  had this company 's, ( Fedloan exchange ), California address on my student loan account along with my Idaho address. I never signed the 'Certification of Identity & Authentication to Disclose Personal Information '' Form, so Navient should not have any of FedLoan 's contact information. Also I received a letter that my employer was not eligible for the 10 year forgiveness program, which was the entire reason that I signed up. I managed to only pay  XXXX  $ before I realized the scam, and that has been recovered due to filing a claim with  my Credit Union.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P&L Acquisitions LLC (NC)

Hello Sirs/Madams : There are three issues associated with the illegal attempts of   XXXX   XXXX   ( not an attorney ) that need to be looked at.
<P/>
( A ) My only debt is from Credit Card Debt dated  XXXX , and I am sure that no C.C. debt can be collected this far out.
<P/>
( B ) I filed a Bankruptcy in   XXXX   in the State of Maryland where all my debt occurred : Case No. :   XXXX   was a Chapter  XXXX , IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF MARYLAND - at  XXXX  - SO ORDERED Entered : XX/XX/XXXX  ; Signed :  XX/XX/XXXX .
<P/>
( C ) Finally, I am a veteran drawing  XXXX  pay at 70 %, and according to the Code of Federal Regulations - 5301, no civilian, no matter what the circumstances is allowed under our Law to collect a debt from a Veteran, who is drawing Federal Money for Comp and Pension ; this matter is very easy to look up online.
<P/>
The individuals who have been relentlessly wasting my time, hounging me and making threats for months are claiming that I must pay them {$22000.00} from someone called   XXXX   XXXX   XXXX  , which I do not recogonize. The debt is a sham, and I believe that a crime is in progress. The individuals continue to come at me from different directions, but they are the same GROUP.
<P/>
The last time is it someone by the name of   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , CAL  XXXX  from telephone  XXXX .
<P/>
He claims litigation notice - Case No  XXXX   XXXX  , as   XXXX   XXXX   XXXX  . vs.   XXXX   XXXX  .
<P/>
The attorneys who handled this case were :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Maryland  XXXX .
<P/>
They have all tried to collect the debt in   XXXX    of this year, twice in  XXXX ., they were reported every step of the way, and again in  XX/XX/XXXX , using the account number   XXXX   XXXX   - no matter how many times I report them, and they are admonished by BBB or others, they still continue to make Illegal threats of all kinds and continue to file claims or that is what they have said, who knows what is true with this group.
Consumer complaint received 2017-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

AMERICAN EDUCATION SERVICES - STUDENT LOAN I have been paying off this loan since my graduation in XX/XX/XXXX. I was unknowingly and unwillingly automatically enrolled in a " Pay Ahead Status '' with American Education Services.
<P/>I also willingly enrolled in their auto-pay program and have been paying my monthly payment without logging in or checking my account for years. <P/>After a letter notification in the mail that I was 19 days past due on my loan, I learned that I had not, in fact, enrolled in auto-pay for each individual loan through AES that makes up my total, but only for one of the loans that makes up my total. <P/>So how have I been paying those other loans on time until now? Forced, unknowing enrollment in the Pay Ahead Status program where all of my past large payments have been " banked '' instead of applied to my principal. <P/>I submitted several payments over the course of 7 years in various amounts over my monthly minimum ( {$37.00} ) such as {$100.00}, {$300.00}, {$500.00}, etc. I submitted larger payments whenever I was financially able to do so. <P/>I have just been notified today that those large payments have been " banked '' and then applied to my monthly payments each month ( less than 50 % of my monthly payment towards principal each month ), allowing AES to charge interest on the same large principal balance rather than me paying off my principal, even though I was up-to-date with all of my interest payments! <P/>I am not able to find any information in my online account regarding this program and was not able to find any information on how to DISENROLL from the program. After several phone calls and complaints to the company, I was finally notified today, XX/XX/XXXX of my unwilling enrollment in their Pay Ahead Status program. <P/>I am required to WRITE A LETTER to disenroll from the program and have my large payments applied to my principal. It is my money and my payments and I should be allowed to apply them however I would like to without the disguise I experienced with AES. <P/>I am educated on loans and spend A LOT of time investigating before I was able to get an answer on what the program is, how it affects my payments, and how to disenroll.
<P/>
AES must be required to provide more clear communication to their customers about their forced Pay Ahead Status enrollment and how to disenroll.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Credit & Finance, Inc. (MA)

I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc.  Atlantic Credit and Finance , Inc.  alleges that court took judgement on their behalf on  X/XX/2010   , for which I was never requested to attend.
Consumer complaint received 2017-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent request to  XXXX , Transunion, and  XXXX  regarding reporting of a  XXXX   XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported by  Bankrupty Court. I s ent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified