davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (WA)

In XX/XX/XXXX I took out a XXXX credit card in the amount of {$6000.00} I got behind in my payment due to financial hardship in XX/XX/XXXX. I was not able to keep up the payments I was contacted by a collection agency and agreeded to a settlement amount of XXXX, XXXX. I made payment arrangments to pay off debit. In XX/XX/XXXX I was contacted by Mandarich Law Group XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX they issued a Writ of Garnishment for my wages the claim I owe {$8800.00} from XX/XX/XXXX through XX/XX/XXXX they took {$420.00} per pay check bi-weekly. I rersearch the Writ of Garnishment it was dismissed in XX/XX/XXXX due to failure to disclose debit. I contacted several attorney they told me to make arrangements with them. The collection agency wants me to sign a contract with set up fees for more than XXXX at XXXX % interest. I contacted XXXX the debit was sold they have no record of my settlement with the collection agency bu acorrding to them they can continue to sell of my debit. I am trying to get monies to again pay off this debit but my fear is that it will only be sold to another collection agency. I have become ill from trying to reslove this matter and so much time has gone by I am having trouble located the necessary paper work to fight anymore. No person should have to experience this my wages are continued Garnished by a document that was dismissed each attorney I talk with says make payment arrangement that are not in my best interest I am just feeling hopeless and financially abused. I have paid XXXX on this debit and no one has a record. The Writ of Garnishment was from the XXXX XXXX and was dismissed on XX/XX/XXXX and I was never served anymore papers or I would have went to court and disputed. What do I do?
Consumer complaint received 2017-03-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (WA)

I pulled a copy of my credit report, and discovered an accurate reporting from Ford Credit. The account number is listed as XXXX. Date opened : XX/XX/XXXX. Balanced owed : {$1200.00}. 
I contacted Ford Credit disputing the item and they sent me a form letter back stating that they did not have verification that I was not the person in question. I have also disputed this with the credit bureaus, and it comes back as verified. 
The account was opened on XX/XX/XXXX, and I was not of legal credit borrowing age until XX/XX/XXXX. My name is XXXX, and my credit report has alias names listed as " XXXX ''. Notice that the XXXX in XXXX is inaccurate, and the middle name is completely different. 
My credit report also lists my social security number as ending in XXXX, but has " social security number variations '' listed as ending in XXXX and XXXX. The ONLY social security number I have ends in XXXX. 
Not only is this a closed account listing on my credit report, but there is also a judgement listed against me for the same account through XXXX County. 

I would greatly appreciate that this company remove this information from my credit reports, as it belongs to someone else.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Billing disputes — 
Company: Cadence Bank (MS)

Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. 

Thank you, XXXX XXXX
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DE)

This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.
Consumer complaint received 2023-07-17
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. (TX)

I have contacted all three credit reporting agencies explaining, I am victim of Identity Theft and the accounts they have listed do not belong to me. Request the credit bureaus to remove any incorrect, inaccurate, or fraud information and accounts from my credit report. Also requesting them to investigate the matters because the account was not open by me, they came back as accurate. I am a victim of Identity and whoever has opened these accounts is suing my information without my permission. The fail to remove any items off of my credit report that i did not have any Assocation with. I recently we went to try and apply for a mortgage for a new home for my daughter and I. Just to know all my hard work and earnings will not be able to get me into our dream home, because someone is using my identity. I have already filed a report with my local police department as well and the FTC. I just want to have my identity back and move on from this traumatic and devasting event. I am filing a complaint against XXXX, Experian, and XXXX, for not removing accounts that were open under false pretenses. Someone is using my information I am unsure on how else to prove it beside the police report reaching out to different agencies to receive help. I just want my life back and a chance to purchase this home for my daughter and I.
Consumer complaint received 2017-02-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

Dear CFPB, I was a victim of identity theft in XXXX. The identity theft originated out of XXXX. I was born in WV and have been a resident of XXXX since XX/XX/XXXX. 

I filed a police report and identity theft affidavit to report the crime and disputed items on my credit report ( s ) with all three major credit reporting agencies. 

XXXX of the fraudulent accounts was opened with XXXX XXXX XXXX XXXX. Another was opened with XXXX XXXX. I have never had accounts with either of these companies. I disputed XXXX these accounts ; however, neither of these companies acknowledged my dispute and XXXX subsequently turned the accounts over to a collection agent. 

The collection agents, XXXX XXXX XXXX and CBE Group refused to acknowledge the dispute and have continued their efforts to collect these accounts from me. XXXX these collection accounts appear on my credit report and XXXX are hindering me from obtaining a mortgage to buy a home for me and my family. 

I wish to file a formal complaint against XXXX The CBE Group and XXXX for unfair credit reporting practices and I request that these accounts be removed from my credit report. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (NC)

I had a disputed charge rising out of a dispute over cleaning bill that happened in XXXX 2009. 

The charge was sold to a collection company out of state, and it was left on my credit file. 

I have contacted the collection company, and amicably agreed to pay half of the amount in exchange to the removal of the record. 

I paid as agreed and received a receipt for that transaction. 

I have found that the record was still on my credit file on XXXX. On my second inquiry, I was told to pay the whole amount from the debt collection. 

I believe that the debt collector was using misrepresentation and intentionally try to hurt my credit to extol more fund from me. Please check on the facts and help me.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (ME)

Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilson, Riley & Associates (CA)

Wilson Riley and Associates keeps contacting me illegally. They are trying to reach someone else. They have left me intimidating phone voicemail messages with a case #. I 've told them repeatedly they have the wrong person and they refuse to stop harassing me. I am reporting them every place I can find!
Consumer complaint received 2021-11-07
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: CITIBANK, N.A. (NJ)

I enrolled a merchant offer for XXXX gas purchase in my Citi Dividend credit card in XXXX. It offered a {$10.00} back on a $ XXXX purchase at XXXX and the offer expiration date is XX/XX/XXXX. I made the purchase on XX/XX/XXXX and the transaction was posted on XX/XX/XXXX. I didnt get the offer bonus for the qualified transaction and the offer disappeared from either Enrolled or Redeemed in my account ( while I had a similar merchant offer for XXXX XXXX  XXXX purchase, it showed as Redeemed after the expiration date ). I tried to reach the Citi customer service either via online chat or phone. No one was able to explain why the offer disappeared from my account even I had an eligible purchase. In the attached document, you can see the offer was added to my account, with an expiration date on XX/XX/XXXX ( print screen on XX/XX/XXXX and offer expires in 11 days ). Another picture showed the purchase was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. A chat history is also provided, showing the Citi customer service representatives explanation that offer expired on the start of XX/XX/XXXX and my transaction was posted after the offer expires ( dialogues highlighted in the document ). This explanation makes no sense to me. I already spent a few hours with the Citi customer service and they refused to honor the {$10.00} credit, as advertised. I dont think Citi is willing to resolve the issue.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

The attachment is being submit to the compliant that was file on XX/XX/XXXX /these evidence document support the fact and needed to be review by the bank and department ( FDIC XXXX this document was issue in XXXX from Senior Vice President XXXX XXXX XXXX the TD Bank XXXX. these supporting document will show that the XXXX did indeed have overdraft pretention service since XXXX went they first open that account at TD Bank. that was offer by the vice president and the represent of the TD bank. .The compliant on XX/XX/XXXX. # XXXX These document go with that compliant that was file Last week. about this the problem
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX mortgage with WELLS FARGO. They are trying to steal my home. They are not reporting my full payments. They keep denying me a loan modification the XXXX they tried to give me was not lowering my monthly payments but raising it. They would not consider the XXXX program. 
My mortgage is bundled and sold as a MORTGAGE BACK SECURITY. I worked hard to get my family a home it may not be much to most people, but to me and my family it is our AMERICAN DREAM. I teach my boys if you work had and do good you will be blessed. PLEASE DO N'T LET WELLS FARGO TAKE MY HOME FROM MY FAMILY AND MYSELF. THEY KEEP ASKING ME FOR THE SAME PAPERS OVER AND OVER AGAIN, ONLY TO DENY ME, THIS IS WRONG. PAPERS WERE ROBO SIGNED AND FORGED. Wells Fargo never intended to give me a modification. They are working against me and denying me many of my rights
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I was told by a Wells Fargo mortgage rep that I was pre-approved for a mortgage to purchase a house in XXXX, NY. I put down {$10000.00} for an earnest money deposit. Had an appraisal done and an inspection. Then I was told to be finally approved for the amount I was seeking I had to pay off my existing mortgage on my condo in XXXX, NY. My only income is XXXX social security and a XXXX pension from the USPS. I wanted the house and decided to listen to my mortgage rep and pay off the existing mortgage so I could move to XXXX where the cost of living is cheaper. My savings was already allotted to my down payment and closing costs, so I cashed in an IRA incurring a XXXX tax obligation which I figured I would pay off with the sale of my NY condo. After doing so Wells Fargo turned me down leaving me {$25000.00} in the hole, {$20000.00} for taxes plus half of my deposit and the house itself due to Wells Fargo 's incompetence. They already knew my income they should never have told me to pay off my exisiting mortgage incurring all this debt and then turned me down anyway. I would like Wells Fargo to compensate me for tax obligation and the loss of my deposit. I was a Wells Fargo customer for 25 years and when I needed them they XXXX me. Given all the negative publicity with Wells Fargo recently I feel I should be compensated. I closed my accounts and sold my Wells Fargo stock. I want nothing to do with them now if this is how they treat a customer of my faithfulness for a quarter of a century. Please do what you can. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
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. (DE)

I recently found out that Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Why I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (CO)

My stepdaughter, XXXX XXXX XXXX, rented an apartment in XXXX, Oklahoma XX/XX/2010. She listed me as the co-signer but I never received the co-signer agreement, neither by USPS or fax. I repeatedly asked rent recovery solutions to contact the apartment representative regarding the lack of an agreement signed by me. They never came up with one and I said that I therefore should not be held responsible for this debt. They have never followed up with a correction, that is, my NOT being responsible for this debt since I never signed anything!!!
Consumer complaint received 2015-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: ZIONS BANCORPORATION (CA)

My home equity line came due in XXXX 2015. I 've had the loan for 10 years. I was not given notice or warning that a balloon payment was due. It was n't until I saw that my credit score going down did I realize that my bank considered me delinquent on this loan. I have continued to make payments on the line, but because of the derogatory credit items that they have placed on my credit report, I am no longer credit worthy to qualify for a new loan. Today I received a notice that my loan was in default.
Consumer complaint received 2015-05-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (IL)

The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. 

Now, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report.
Consumer complaint received 2016-02-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Wilson, Riley & Associates (OH)

on XXXX/XXXX/XXXX I received a phone call from someone claiming to be from a law firm called wilson riley and associates stating that they were going to be filing check fraud charges and take other types of legal action against me because they stated that i had not paid back the loan. 

I had paid a collection agency a settlement on the original loan in the amount of {$270.00} in XXXX. Upon talking to a representative of the law firm they told me that they had spoken with the collection agency that was told they had no record of my payment and to avoid being arrested and jailed i must immediately pay them. 
They did n't want to see my record showing that i had paid the debt. 

On XXXX/XXXX/XXXX they got hostile and hung up on me when i informed them that i was recording the conversation and that under the fair debt collection act they had to send me a letter in the mail containing information related to the debt that they claim i owe. 

XXXX and riley is not a legitimate law firm or a debt collector and upon further research other people have had similar experiences with these people. 

the number they are calling from is a XXXX michigan number but they claim to be in new york. their number is XXXX XXXX XXXX. 

also on XXXX/XXXX/XXXX they called my brother from another number and stated that they had warrants out for my arrest related to the issue stated above.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WA)

Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.