davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX has reached out to me regarding a past due bill amount that they claimed to have took ownership of from comenity Bank previously owned by XXXX XXXX XXXX they told me that I owed a large amount of money which I disputed I asked the company to send out an itemized list of the purchases that I had made. Also a list of the interest fees, how did they accumulate to that amount. 
I have yet to receive any of the information I requested especially the information regarding the interest and the total amount that they were asking for they reported to the credit bureau, filed a complaint with the court system to sue me threaten me. Constant calls of harassment and I have been trying to work this company to resolve this debt. They have not provided enough information to show ownership of the account because there is another debt collection agency claiming to own this account also for a lesser amount of money that they are saying I owe on the account.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Green Tree Servicing LLC continues to increase our loan amount. The escrow account is used for the payment increase and fail to notified and explain, in writing, the tax accessor of XXXX XXXX tax assessment for XXXX XXXX. Housing in our area has decrease and not increase in value. They will not provide the information on how they calculated the new increase.
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (TX)

I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement.
Consumer complaint received 2016-05-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Harrington, anderson & deblasio (OR)

I was directed by my employer to use my XXXX XXXX card for business and the company went chapter XXXX and did not reimburse me. ( that is what I was told ) Then I was forced to sign a judgement under duress, while my husband was XXXX from XXXX XXXX. This is only a partial explanation of what exactly happened.
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I placed a dispute with this company regarding this issue first being XX/XX/XXXX and again XX/XX/XXXX ( see included attachment for proof of dates ), I informed THE COLLECTION BUREAU OF FWB of my FTC report filed both on my own as well as through the CFPB. I also physically have written a dispute about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written a dispute to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because after years of dealing with this situation I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or will have no choice but to seek other means of mitigation through litigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (CA)

I opted out of debit card overdraft protection with Bank of the West because I thought that it meant that any payment from my debit card would be declined if I did n't have enough funds. According to their website, overdraft protection covers automatic payments and recurring debit card transactions. I forgot about an automatic debit payment that the bank allowed to go through, totally my fault for forgetting, but I became overdrawn by {$7.00} so they charged me a {$35.00} fee. When I called to find out why and to have them explain it to me, one person told me it was at the bank 's discretion to allow things to go through and then she hung up on me so I called back and another person told me that it did n't apply to automatic debit card transactions but from what I understand it does.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (AR)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-10-08
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: FIRST REPUBLIC BANK (CA)

I went into First Republic Bank in downtown XXXX XXXX on XXXX/XXXX/15 at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. I went into the bank to cash a legal settlement check in the amount of XXXX. The gentleman that I spoke with was a XXXX man with XXXX hair who sat XXXX or XXXX desks in from the front door told me that they could n't cash my check. They only had XXXX or XXXX XXXX dollars at most. When I inquired about why they did n't he said they did n't keep that much cash. He said they just did n't which I think is total XXXX Further there was no policy or anything posted at the bank that states they have a limited amount of cash on hand or on their website that says that requests for large amounts need to be handled in a " x amount of time '' There is no question about whether or not the funds were available for this check. It was placed in a client trust account -- legally no check can be issued from these accounts until the funds have been verified. So I am curious about why this person encouraged me to cash a check at my bank that I knew would be put on hold again at my bank because now they need to wait for it to clear from this bank instead of this bank providing me with the cash that I requested from a check drawn on their bank from a client trust account. Was it racism? Is it misplaced policy? Why allow someone to write a check in that amount if you are n't legally willing to honor the instrument person. I would like to know.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I sent Synchrony Bank my coupon indorsed for payment to balance the account. Mailed certified XX/XX/2021. They refused to accept it. They have not returned my payment coupon & continue to attempt collection stating they have not received payment. Out of fear for a suboptimal credit score I have sent additional payments to maintain an account in good standing. I contacted customer service online XX/XX/2021 to ask that my remittance coupon be returned. It was not. I second sent a letter has been mailed registered XX/XX/2021 with copies of the previous mailing.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.
Consumer complaint received 2015-04-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Resolution Inc (Closed) (PA)

Today XXXX XXXX, XXXX, I received a call from Concord Resolutions Phone Number XXXX. They left me a voice mail with a claim number to use when I contact them. I returned their call never using the claim number. Someone by the name XXXX answered and knew exactly who I was. XXXX recited the last XXXX digits of my social security number and what bank I use. XXXX stated to me that this was a call to collect a debt that I had taken out with his client in XXXX XXXX. XXXX also stated that I had a payday loan with his client XXXX XXXX who was now trying to collect. I asked him when did this loan occur because I have no information about a XXXX XXXX. XXXX them proceeded to state that they ( XXXX XXXX ) was a third party company to my original lender. He also said even if you pay your original lender, the third party has to be paid because the loan is generated from numerous lenders. I then asked XXXX who is the original lender. XXXX stated there was no other lender listed but XXXX XXXX. I then said to XXXX if XXXX XXXX is the third party you have to have information on the original lender. XXXX paused, then stated it was not listed. I stated to XXXX anything I do I receive PAID IN FULL letters from the consumer, so who is the original lender. XXXX then said to me to send him all my paid in full letters, him and his supervisor will go through them and find my lender and remove me from there call list. I explained to XXXX I was not sending him or anyone else my private information. If you do not have the information where this originated from there is nothing I can do for you. He paused, stated he understood and claimed he would be talking this matter over with his supervisor and would be giving me a call back on Friday. I asked to speak with the supervisor and that did not happen. After waiting about ten to fifteen minutes from hanging up with XXXX, I called back and the phone just rang with no voice answering machine to leave a message. I then blocked my number and called back ten minutes later and the phone just rang again with no machine stating who you called or any identifying information that represents a company. I then contacted the consumerfinance.gov who lead me to the ftc. XXXX did n't retrieve any important information. I changed my bank account number years ago so they were not successful in gaining access to that. I also found it weird because Concord Resolutions called my home phone number which is n't on any past papers I filled out because I just changed my number last XXXX. Also I always use my cell phone number as my primary because I 'm more reachable. 
Thank You in advance for letting me state my concerns. I want to help protect others from scams like this.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

Pulled credit report. Found a suspicious entry on my credit report for a LVNV Funding LLC . After writting the collection company and LVNV Funding LLC informing them that I 've never heard of them ; never used any products or services from them -- they refused to removed the information from my credit report. 

I do n't even know who LVNV Fudning, LLC is nonetheless used a product from a bank called : " XXXX XXXX ''.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.
Consumer complaint received 2016-10-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Williams, Rush & Associates, LLC (NC)

I have been told for the last 1-2 years by them that they were going to sue me and it was my last chance to pay it in full. 6 months later they call and say it again. They also had someone call me and my references claiming to be someone trying to serve me but they just ended up trying to convince me they would file a lawsuit the next day if I had n't payed. I told them to sue me and make sure I am served so I can come to court they told me they do n't have to serve me. They still never filed a suit against me. They have threatened wage garnishment on my husband whom I just married this year but never follow through. They are trying to scare and intimidate me with lies and false threats
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Risecredit, LLC (AL)

Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. 
In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. 
Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. 
XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (OH)

I made a charge of {$20.00} on XX/XX/22 at XXXX on the XXXX XXXX XXXX website using my XXXX XXXX. At the time, I had selected a 'boost ' for 5 % back on online orders at XXXX XXXX XXXX. The boost showed as 'expiring now ' and was still attached to my card. I immediately knew there was an issue when the charge authorized because I didn't get notified that my boost had been applied. I contacted support right away. The first agent told me that I didn't have the boost selected before I made the charge. I wrote back and another agent provided boiler plate information about looking at a boost 's expiration date. I asked to escalate to a manager who in turn reviewed my chat and said could not offer anything further. I indicated that I would be filing this complaint. 

I am owed the 5 % on my purchase. The boost was still clearly attached to the card. I attempted to take a screenshot because I thought the wording was odd ; however, the app prohibited me from taking a screenshot. If the boost was indeed expired, it should have no longer been attached to my card or at a minimum, said 'expired '. It's reasonable to assume 'expiring now ' means it is still valid. I feel deceived.
Consumer complaint received 2015-04-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Amati & Associates LLC (MD)

On XXXX/XXXX/XXXX I applied for a payday loan from XXXX also known as XXXX in the amount of {$400.00} with a {$120.00} finance fee. It also stated my payment was due on XXXX of each month which would automatically pay down by 5 % of the original principal balance plus the finance fee, and will continue to pay down by 5 % of the original loan amount in addition to the finance fee on each following due date until the loan has been successfully paid off. I could only pay the {$120.00} monthly so the balance of the loan never decreased. They were deducting the funds from my XXXX XXXX XXXX visa debit card for 4 months. I had to close the account because of the large amount of interest that was being charged. XXXX website states I no longer have an open account with them according to their website. As of XXXX/XXXX/XXXX I have been receiving threatening collection phone calls from Amati and associates from a agent whose name is XXXX XXXX at XXXX. XXXX stated that I have XXXX criminal charges pending against me and that if I do not pay {$720.00} I will be served a court order. She stated if I pay I can apply for a stand down and make payment arrangements. I feel like I have been apart of predatory lending and that enough has already been paid back in interest.
Consumer complaint received 2016-12-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit management, Inc Sent me a pre-approve offer for a 40 % discount of a credit card debt. If payed before XX/XX/2016 The original amount was {$7600.00} The amount payed with 40 % discount is {$4600.00} So I agreed and payed it on XX/XX/2016 with a promise to receive a confirmation statement sent to my address.It had n't arrived. But I received a XXXX statements on XX/XX/2016 Stating that my payment returned or declined.But according to my bank the payment was received and cashed on XX/XX/2016 Attemps where made to resolve this issue by going to various address that were on the statement but were fraudulent.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC (LA)

Company did not respond to my certified letter they signed for it but did not reply ... I went to the company in person they could not provide me with proof of the debt ... they became rude when I ask them to romove the false debt. I do not have a debt with the company. I spoke to XXXX different managers, no success. Managers XXXX, XXXX and XXXX all said they will get the home office to draw up some paperwork. I have never been to Mariner Finance until yesterday to request proof. At first they said they did n't have anything, then they said the purchaseday the debt from another company but never provided proof and refused to remove from my credit. I have never entered into any type of agreement with Mariner Finance. There are XXXX separate reportingshower on my credit reports from these companies. I sent disputes to all XXXX credit reporting agencies and to Mariner Finance directly, no resolve, please help.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: United Shore Financial Services, LLC (NM)

During XX/XX/XXXX-XX/XX/XXXX I applied for a loan assumption which was massively delayed and for which I was ultimately denied after 9 months of waiting. I was told I would have to reapply instead of simply remedying the debt to income ratio issue. 

I reapplied on XX/XX/XXXX with the initial request for the assumption loan application packet. Two months later I have still not received it. This is longer than their projected time to receive the loan application. I have also called weekly and been told that I would receive prompt communication from the assumptions department but have not received any communication.