davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Google Compare Credit Cards Inc. (OH)

XXXX through Google wallet had a lot of tech and other issues. I was being charge without getting the product. from XXXX XXXX. I 've been fighting with tap joy until XXXX XXXX when I filed a XXXX complaint on tap joy. I then contacted Google wallet Ans one rep gave some of the refunds back but his system would n't do the rest so he stated contacting my CC company to file a dispute. I did and they acted, Google closed my accounts requesting verification ID Card No. before they could open back up my account, I sent them the info, they stated within 24 hours my account would be back open. But then they contacted me back stated they suspended my account and will not open it until I ask mt credit card co. to reverse the charges back to them. ( They lied to me just to get my ID SSN and my credit card info. ) And now they kicked back the emails and responses to cover up their misdoings. after I told them I am going to report them.
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month.
Consumer complaint received 2016-08-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Northstar Location Services, LLC (IL)

Northstar Location Services , LLC has resurrected a XXXX year old collection account that was written off by XXXX 9 years ago. It was also disputed with XXXX two years ago with CFPB ( Case # XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX wrote this debt off and deleted it from my credit report. This debt/account ( see attached document ) is over 9 years old. I have not had any communication from XXXX XXXX since filing bankruptcy in XXXX 2007 and XXXX XXXX. XXXX. since they informed me that they were writing it off and deleting it from my credit reports. I have not and do plan on reopening a closed old account with NorthStar collections. I have not contacted them. I have only received these letters and occasional phone calls which I do not answer.
Consumer complaint received 2017-03-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (AL)

I purchased a vehicle from XXXX and was Financed by BridgecrestXXXX, I traded vehicle in and the loan was paid off. I also purchased extended warranty and GAP insurance thru them and are due a refund of those monies ( prorated ) as I only had the vehicle for 8 1/2 months. I have been attempting to get a Letter of payoff from them and they keep transfering me to different departments The letter of payoff is required by their extended warranty company ( XXXX ) for me to get my refund, at this point after two weeks of attempting to get the letter sent I have had no luck in receiving it. First was told to wait 10 days before making the attempt to request the letter, and after doing so have gotten a run around in contacting someone to send to me. I have followed all their rules and policies to get this situation resolved and has been to no avail.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (AL)

This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!
Consumer complaint received 2015-12-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Guild Holdings Company (CA)

Guild Mortgage in XXXX XXXX, CA continued to take FHA MIP payments from us even though the home was never insured by FHA. Apparently FHA never got a termite report so our " loan '' and address was in " application status '' only. Guild should return the MIP payments we made. They have never returned phone calls, even when we had the home and were trying to stop the foreclosure. FHA also returned the {$4400.00} FHA fee to XXXX XXXX in XXXX. They kept that money and the office manager XXXX said they shred all records and keep no evidence to support receipt of the refund check. I have contacted several people at HUD and FHA ; they get promoted to XXXX and do not call back!
Consumer complaint received 2015-08-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Dream Center Education Holdings (TX)

I went to the XXXX XXXX XXXX XXXX XXXX XXXX, and was severely overcharged for a total tuition of around $ XXXX. They added on additional classes that were not part of the agreed curriculum I signed up for, in addition to receiving minimal instruction/education to perform less that the minimal functions in my area of study. My demo reel is not up to industry standards ( due to failure of instruction ), yet was approved by instructors. I did not receive job placement assistance, and have been unemployed ever since graduation.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have included documentation proofing original account not mine. incorrect original account #. In addition, wrong delinquent dates according to XXXX XXXX. This company is not only reporting an account that is n't mine but the deliquent date of this account is re-aged. I have provided proof and sent in writing. I received a response on XXXX/XXXX/17 from equifax that dispute was verified as correct.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section XXXX of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources (NC)

The person who is responsible for the debt is not at this number. The debt collectors call almost everyday ; it is a robocall. They even say if the person is intended is not the person they are trying to reach is not the intended person, to not listen to the call. Nevertheless, they make the same call ALMOST EVERY DAY. I need them to STOP!!! These calls have been going on for more than six months.
Consumer complaint received 2016-01-25
Product: Other financial service — Refund anticipation check
Issue: Excessive fees — 
Company: Dovenmuehle Mortgage, Inc. (NH)

My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own. 

We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request. 

Sincerely, XXXX and XXXX XXXX XXXX NH XXXXXXXXXXXX
Consumer complaint received 2016-04-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (AZ)

This is a follow up to complain case # XXXX. 

PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. 

I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-Michigan Collection Bureau (MI)

I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here.
Consumer complaint received 2015-12-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Lending Solutions Mortgage/ LSI Mortgage (CA)

In XXXX we applied for a cash-out refinance for our primary dwelling. After running our credit and taking our payment for the appraisal, the lender did not provide a Good Faith Estimate until a month after the fact. The initial intent was to do an FHA Cash-out Refinance and were told that the company could do not FHA, they then retracted that statement citing they had an investor who could. They finally provided a change in circumstance Good Faith Estimate for the new loan product after the RESPA timeline permits. We are still in the process of refinancing with us constantly having to reach out to the lender to inquire on the status. Each time they answer, it is a general reply of " we are waiting on underwriting ''. We are now on month XXXX of the refinance, we have paid for XXXX appraisals and have had our credit pulled multiple times, adversly affecting us if we were to try to go with another lender for refinancing. We still have no clue on the status of the loan.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

I have contacted Experian regarding the following inquiries on my credit report that are adversely impacting my score. I have asked them to show me 1. permissible purpose. 2. Show me written authorization that I gave permission for the following companies to pull my credit and 3. Show physical proof that I initiated the inquiry and Experian is refusing to comply with my request. Instead they simply send me a letter stating that all inquiries must be reported as they show factual proof. I am sorry but without the above 3 components they UNDER LAW are to remove the inquiries from my credit report. The following inquiries do not meet the 3 components under the FCRA and XXXX is in essence breaking the law and I am requesting that they either show me all 3 pieces of proof that I have asked for and I am entitled to or I am asking that a FULL INVESTIGATION be brought against them for illegally sharing my credit information and breaking the law under section 604 of the FCRA. If they do not remove these immediately I will be forced to hire an attorney and sue them for damaging my credit intentionally by reporting inquiries that can not be verified and proven under the law. The following inquiries are to be removed since no proof can be submitted on their behalf. 
1. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 2. XXXX on XX/XX/XXXX **I called this company and they find nothing to support a permissible request*** 3.XXXX on XX/XX/XXXX **I called this company and they find no evidence to support a permissible request*** 4. XXXX on XX/XX/XXXX **I called them and they find no evidence to support a permissible request and no credit line was granted to me and I do not have sprint service*** 5. XXXX Date of inquiry was XX/XX/XXXX **I called and they find no evidence to support permissible purpose on this date listed**** 6 XXXX On XX/XX/XXXX ***I called them and no permissible purpose was found*** 7. XXXX on XX/XX/XXXX and also on XX/XX/XXXX ***Called them and no permissible purpose was found and no auto loan was granted*** 8. XXXX on XX/XX/XXXX ***Called them and no permissible purpose was found*** 9. XXXX on XX/XX/XXXX ***Called them and No permissible purpose was found*** All XXXX ILLEGAL inquires are to be removed IMMEDIATELY as they are not following the letter of the law in section 604 of the FCRA. The law needs to be enforced here or they will continue to do damage to myself and others. If they want to keep these inquiries on my credit report and state that they have to because of factual truth then support your position and send me the 3 pieces of proof listed above. If not you are intentionally trying to hurt my credit worthiness and this must stop immediately.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (VA)

I called the creditor and set up a payment plan. I requested that they send me information in writing showing what i owe, and what i paid. They stated they will not send anything in writing ; only a payment reminder for the next upcoming payment. Which is a month away. I stated I needed something in writing for a potential employer and they stated the employer can call them and they would discuss the information via phone, but nothing in writing. I requested it in writing before the 5 business days. 

XXXX Bank : Total Due $ XXXXAccount # : XXXXPayment Plan : {$100.00} XXXX 6 monthsI spoke with XXXX XXXX XXXX XXXX ext XXXX and today XXXX/XXXX/15 and asked to speak to his supervisor XXXX XXXX XXXX XXXX. 

Neither individual will supply with written confirmation on my debt. They payment plan that was set up, initial {$100.00} payment and {$150.00} for 6 months will go over what the total payment is. I can not get a break down summary of what I owe, and what I 've paid.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: STATE FARM BANK, FSB (TN)

Had State farm as my rental/home insurance, business, and lender on my automobile. Had a small claim on rental took over 2 years to resolve, crazy adjuster. Had hired a lawyer. Had told me check was on the way. Had held off on car payment, car repossessed. Had State Farm for 30 years. Company are crooks.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (CA)

My father had credit monitoring with Equifax and the monthly charge came out of our joint bank account. He passed away in XXXX. In XXXX, I called Equifax , told them he had died, and asked them to cancel his account. They told me they could n't talk to me and that he would have to cancel the service. I explained that, being dead, he really was n't going to be able to do that and they refused to cancel the service. I contacted my bank to try to stop the charges, but as of yesterday, they have charged the account again.