davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Someone changed my personal information on my DETR Unemployment card that is link with Bank of America. Changed the address and all information related to me and is collecting the money while I did not notice. I been employed since XX/XX/2020 and my bank spoke to me about fraudulent activity.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing XXXX XXXX XXXX XXXX reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2019-06-28
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: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates reported a collections on my credit bureau on XX/XX/XXXX. I called them at XXXX and spoke with a representative who informed me they were collecting a debt for my adult daughter from XXXX  XXXX XXXX XXXX for XXXX from XX/XX/XXXX. MY DAUGHTER IS XXXX! I WAS NOT PRESENT AT THIS VISIT AND AM NOT RESPONSIBLE FOR HER DEBTS! SHE HAS HER OWN FAMILY, JOB, AND HOME! The representative acknowledged i was not responsible for the debt but when i asked for documentation that it had been removed they just kept asking for my daughters information. I asked for a manager and he said he could take care of it but only if i gave him my daughters phone number and she paid the debt. I have worked hard to rebuild my credit and this is not my debt and I WANT IT REMOVED FROM MY CREDIT!!!
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (PA)

This is the XXXX attempt by Dynamic Recovery Solutions to attempt to collect a debt that is not mine. In XXXX 2013, I received similar communication from this company on an account that I have never owned. I have never had a XXXX collection account on my name or against me. Now, XXXX years later, I have received similar communication from this company regarding a debt I do not owe.
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Complaint against : Wakefield & Associates Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX Stated Amount Owed : {$2100.00} I have sent certified mail requesting proof of documentation on these dates to this company. XX/XX/22 and XX/XX/22. 
I have yet to receive proper documentation or an explanation of these charges. 

This has been affecting my credit profile for too long. It needs to be removed as soon as possible.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC has been reporting erroneously for years in multiple ways. 
Currently, after many letters, Midland Funding reports first major delinquency on XXXX as XX/XX/XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all Midland Funding LLC. 
The parent company is MCM Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early XX/XX/XXXX 's which was in good standing until the last year. An XXXX in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2019 at XXXX XXXX we received a call from WALMARTCARD. We do not have a Wallmart card and should not receive calls from any XXXX number as we are registered on the do not call list. Our caller ID indicate the number is XXXX The came in on our home number XXXX. 

Both our cell phone number are on do not call lists and we continue to get calls about paying off student loans and eliminating credit card debt. We have never had student loans or excessive credit card bills. Our number are XXXX and XXXX. 

Can you please have these unwanted calls stopped? It is unacceptable to get a call at XXXX XXXX!
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LOBEL FINANCIAL CORPORATION (AZ)

Lobel Financial Auto Loan is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing Lobel Financial Auto Loan reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Glennon Law Firm, LLC (OH)

Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle.
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PAYPAL close my account without any reason. 
Paypal is scammer i need help. 

i sent all my personal document for verification process to PayPal. ( Ref ID - XXXX ) Paypal is not doing her job properly and that the reason. i am file a report here. 
Paypal is violating the rights of people by closing accounts to keep the money and so make your company grow with the money that is stolen from people. 


This company act like scammer. 
my email is XXXX I demand access to my account immediately. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have.
Consumer complaint received 2019-06-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (TX)

XX/XX/2019 {$1200.00} and all of our bank recordsfor 3 months prior to this date for myself and other members in my household on our loan, social security numbers, and address. We then lost our house to foreclosure and were referred to a lawyer they use frequently and had to pay her {$670.00} on XX/XX/2019.
Consumer complaint received 2024-03-24
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (NV)

Hi I currently have a student loan for XXXX  school through XXXX  connect. My first loan payment started after interest resumed for the XXXX forgiveness period. During this loan forgiveness time period I was not making payments. Once I started payments I was told that this loan was never eligible for interest forgiveness like my other student loans because it was a different type of private loan. I paid the total amount for the 6 loan payments all at once to avoid forbearance and catch up on my amount. I am requesting to removed my missed loan payments remarks which is negatively affecting my credit score payment history due to the 6 missed payments during this period. This in affect is affecting my credit score and ability to obtain future mortgage, credit cards, etc. Thank you for your time in reviewing my report.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (CA)

( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 If I have reason to believe Acima Credit is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605.

In the original leasing agreement with Acima Credit, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima is evidence of this violation.

Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended.
Consumer complaint received 2023-01-03
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. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section2 : 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 2022-12-14
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: Experian Information Solutions Inc. (CA)

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 purpose.
Consumer complaint received 2019-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have sent numerous requests to a company called XXXX. XXXX and XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from Equifax, XXXX and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (PA)

It have come to my attention theres a third party collection agency who has created/ furnished an account for me using my identifying information without my consent which is identity theft and unauthorized use. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
Consumer complaint received 2023-07-19
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: American First Finance, Inc. (NV)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-03-09
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: EQUIFAX, INC. (GA)

I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/2019 there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/2019, I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 1 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Agencies directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/2019 the company has not done so. With XXXX XXXX XXXX I needed them to provide me with method of verification and they failed to do so.
Consumer complaint received 2018-02-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENOVA INTERNATIONAL, INC. (CA)

I took a loan with XXXX  and defaulted. XXXX XXXX XXXX XXXX XXXX XXXX  called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX their SISTER COMPANY, would also remove the marks. XXXX  did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes.

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX  sells much of their bad loans to XXXX XXXX XXXX so I am holding them responsible for the false promises made by XXXX

Thanks, XXXX
Consumer complaint received 2021-04-18
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: Collection Consultants of California (CA)

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for the original amount of {$320.00} which has increased to {$420.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, therefore, is twofold -validation of debt and HIPPA authorization.
Consumer complaint received 2018-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

i did a refinance on my home in XX/XX/2018. The loan was sold to PHH Mortgage and in XX/XX/XXXX i was notified that the flood maps were redone and i was now in a flood zone. i tried to explain to them that my property was not in a flood and they suggested i apply for a XXXX Letter from FEMA. During the process PHH Mortgage forced lender flood insurance on my account with a premium of {$1600.00} and did an escrow analysis and raised my fixed payment from XXXX to XXXX. I have made several attempts to contact them and fix the problem and keep getting the run around. In XX/XX/XXXX they sold my loan to XXXX XXXX without fixing the problem so now i'm dealing with trying to have XXXX go back and fix the problem and since then i have received my XXXX Letter stating I am not in a flood zone and have uploaded the documents to their system om XX/XX/XXXX and still today it has not been adjusted. i feel like i'm getting the run around from not only PHH but also XXXX XXXX  which is why I am making a consumer complaint.
Consumer complaint received 2021-11-10
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)

XXXX XXXX XXXX Reported : XX/XX/XXXX {$710.00} Closed Overview You're currently using 75 % of your account 's limit. 

Balance {$710.00} Credit limit $ 950 Monthly payment {$36.00} Opened XX/XX/XXXX ( 4 yrs, 3 mos ) Payment History Youve made 92 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$200.00} Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NY)

PayPal keeps displaying different balances when I log in. 

Today I answered a robocall, and was informed by the debt collection person that my account has been past due for 15 days in the amount of {$28.00}. 

I just logged in and took a screenshot of my account and it says " no payment due. '' I made a payment of {$160.00} on XX/XX/XXXX, which appeared to cover the " minimum payment due '' on that date. I continued to receive robocalls from PayPal, and I checked my PayPal account again. This time, it said owed a different amount, so I paid an additional {$190.00} USD on XX/XX/2019. 

I made clear during the recorded collections call that I did not think it was appropriate for PayPal to display information on the website with respect to the amount due that does not match what the collections agent on the phone is saying is owed to me. The agent tried to interrupt me to tell me that it's appropriate for a company to whom, according to the screen shot I took today, and according to what also displayed last week, I do not owe any overdue payments, to call me twice a day every day for the past week. I disagree : you can't call and harass someone who doesn't owe you money. 

I informed the collections agent that I was going to hang up and check my paypal account. It says " no balance due. '' I took a screenshot.
Consumer complaint received 2019-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (UT)

I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.