davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Funding LLC filed suit against me and attached false and misleading affidavits. Upon response to " Admissions '' refused to agree with the CONSENT ORDER. Denied the CONSENT ORDER between CFPB and ENCORE, MIDLAND FUNDING, etc. Continued to attach more false and misleading documentation but still not proving this debt was part of the " pool ''. Refuse to supply.
Consumer complaint received 2022-01-21
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. (MO)

After sending the credit bureau multiple letters. I even decided to call and spoke with an agent who didnt speak really good english and I was hung up on with still no help. They are reporting an account on my credit report for XXXX XXXX XXXX account XXXX.I have NO CONTRACT with the company.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I arranged to buy tickets for a comedy show from someone on XXXX. He said he was going to transfer the tickets to my name ( to arrive via email ) and showed me a screenshot of a seemingly valid ticket confirmation. I payed him {$250.00} via Venmo, as agreed, and never received the tickets. He then blocked me on XXXX and is not responding to my calls requesting a refund. I contacted Venmo 's customer service and was told they could not help me recoup my money. They suggested filing a police report, which seems like a completely unrealistic, dead-end non-solution. 

The phone number the scammer gave me is XXXX. 
The Venmo account I sent payment to is : @ XXXX. Name : XXXX XXXX. Transaction ID : XXXX His XXXX handle is : XXXX XXXX XXXX ( @ XXXX ). He has blocked me on twitter so I can no longer message him. I have attached some screenshots below. 

I also contacted my personal bank, XXXX, to stop the payment. But it has not showed up in my list of transactions yet, and the XXXX representative said the bank can not contact Venmo to stop the payment.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX in partnership with Experian and XXXX have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) XXXX XXXX XXXX committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. XXXX XXXX as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Capital One auto loan account was discharged in bankruptcy and the vehicle was surrendered in XX/XX/XXXX. I tried to have this account report as closed in XX/XX/XXXX. Capital One then placed a negative payment history on my record for XX/XX/XXXX, which dropped my score by XXXX points, for an account that should have been closed over two years ago. The account now shows closed with XXXX and XXXX. It is still reporting as open with XXXX. Please remove the recent negative payment from XX/XX/XXXX and ensure the account is showing closed under all credit bureaus. Thanks.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (PA)

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) making XXXX XXXX XXXX XXXX an assignee pursuant to XXXX XXXX XXXX ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to XXXX XXXX XXXX. Furthermore, that is an Deceptive Form identified in the XXXX pursuant to XXXX XXXX XXXX. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as XXXX states pursuant to XXXX XXXX XXXX ( XXXX ). Lastly, XXXX states " No credit card shall be issued except in response to a request or application thereof '' pursuant to XXXX XXXX XXXX. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of XXXX XXXX. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2021-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

We tried to do a loan modification in XXXX. We went back and forth with freedom mortgage to get a loan modification for 3 years. They're was always an issue of the documents being expired. We started to send in updated documents once in review but never had anything resolved. We even did a bankruptcy that became costly because the monthly mortgage kept going up. When that fell through we did a forbearance that expires XX/XX/XXXX. We will have to go through the same process again to get a loan modification that never goes through. By them putting off the approval for modification, fees are constantly adding to the principal. 4 years of late fees have accumulated causing the debt to go up to about XXXX in late fees.
Consumer complaint received 2021-05-11
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 ()

Paypal has limited my account and I am not able to send or receive money. They have done this for no reason. I have given them all the documentation necessary for verification. 

Please, I am requesting the limitations on the account be removed as I have done nothing wrong. 


I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (NE)

I do not have the last date that I spoke with Allied Interstate LLC it was sometime in XX/XX/XXXX. When they first called me at work I requested that they did not contact me at work and that the debt that they owe I do not owe what they say I do. I disputed it with XXXX stating that I was two payments behind and I tried to make a payment over the phone to get it caught up but they wanted to charge me a fee so I said I would go online to make the payment. This was over two years ag and they said they shut my online access off and they would not take my payment over the phone of which at the time was only {$50.00}. They said that they would reinstate my online access but I was to either email or mail them a copy of my drivers license and copy of my social security card. I refused to do either one I am not stupid. 

I requested XXXX to have them removed from my credit report since I made multiple attempts to get this caught up and it was but this was prior to Allied buying the debt from XXXX. 

Today ( XX/XX/XXXX between XXXX and XXXX ) I received a phone call from Allied at work the name of the rep. was XXXX XXXX and I told him that they were not to call me at work but he kept on speaking wanting me to verify my date of birth and so on. I informed him that he was violating my request to not call my work and that I was going to file a complaint. He seemed to not even care at all. I do not owe this debt I will not pay this debt. I want this debt removed from all my credit reports and I do not want it resold to another agency. I tried to make payments the company refused to accept the payment and then on top of it requested personal information that could and probably would have resulted in identity theft of which has already happened more than once with me. 

Allied is not to contact me period this debt as far as I am concerned is not owed by me.
Consumer complaint received 2022-03-28
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. (GA)

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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 2021-08-28
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: NAVY FEDERAL CREDIT UNION (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-11
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. (NV)

There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-27
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. (AE)

In accordance with the Fair Credit Reporting act 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 2022-01-21
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 — Problem with personal statement of dispute
Company: AutoNation Enterprises Incorporated (AZ)

In XX/XX/XXXX ; I spoke with a representative of CIG financial, who held the lien on one of my vehicles I financed. The vehicle had GAP insurance on it and it was totaled in a vehicle accident. GAP insurance satisfied the balance due on the account but CIG Financial is still reporting to XXXX that I have a past due amount of {$1700.00} ; which was last reported on XX/XX/XXXX. 
On XX/XX/XXXX ; CIG Financial Insurance Administrator, XXXX XXXX, admitted in email correspondence that the GAP insurance check was sent to the wrong address and that they received the GAP insurance check ; that I needed to dispute how its reported directly with the credit bureau. The credit bureau told me that they only report what the creditor reports to them ; so they're both playing a proverbial tug-of-war with me. 

I have attached an email from the aforementioned, XXXX XXXX, regarding the GAP payment.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I purchased a home located in XXXX XXXX, Texas XXXX in XX/XX/XXXX with a conventional home mortgage funded with XXXX Mortgage. In XX/XX/XXXX, my loan was sold to XXXX mortgage. I had no issues during payment with XXXX Mortgage and XXXX mortgage. In XX/XX/XXXX, my loan was sold to PHH Mortgage. I routinely make extra principal payments each month of varying amounts based on additional income I have available each month. Initially the PHH mortgage website added a Pay to Pay fee of {$7.00} per month if I did not agree to accept all correspondence from PHH electronically. I did not want to accept all correspondence electronically, but I also did not want to pay this fee each month just to pay my mortgage online. A few months later, in XX/XX/XXXX, the website then stated that it would add the Pay to Pay fee again, if I did not agree to direct deposit. I do not want to automate payment because I will end up each month paying different amounts, which are varying direct principal payments. Texas has a consumer protection statute that limits all fees to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed, in the aggregate, two percent of the original principal amount of the original extension of credit. Section 153.5. The purchase price of my home was {$170000.00}. Based on this statute, the maximum fees to originate and service my loan are capped at {$3400.00}. At closing, I paid {$2000.00} of fees that are considered part of this 2 % cap limitation. That means no fees greater than {$1400.00} can be charged on my mortgage for its remaining duration. I also did not agree to pay {$7.00} every time I make my monthly payment electronically on my mortgage in the original note, which is the controlling contract as assumed, and unchanged, when it was purchased by PHH Mortgage. If I paid {$7.00} for the life of the loan, I would pay {$2700.00} extra of a 30-year term just to pay for my mortgage. This is an unlawful increase in my monthly interest charge that I did not agree to. This Pay to Pay fee is not included in my note. This Pay to Pay fee costs more than PHH Mortgages the cost of processing an electronic versus a direct deposit payment because both are handled by computers and EFT transfer requests to my bank.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CO)

I purchased an XXXX XXXX from XXXX XXXX, XXXX, Minnesota, a couple of months ago and have had Nothing but problems with XXXX XXXX being very dishonest about the vehicle condition as well Westlake Financial Services who have a contract with this dishonest dealership. 


Westlake Financial concerns to date : Employees allowing someone else 's payments to apply to my loan, No willingness from Westlake employees to remedy the situation, therefore blocking my ability to make the timely payment. 


Westlake, Dealer Compliance, XXXX and his supervisor, " investigating '' XXXX for miss-representing my vehicle, with XXXX and XXXX, XXXX, working together in an attempt to Keep my XXXX down payment ....!!!, while siding with XXXX XXXX, stating that it was an " as is, used vehicle. '' Even after I explained over and over again, that XXXX misrepresented the vehicle over and over again, via phone calls, live video, mechanics comments, car wash that showed no leaks, no oil or fluid changes, etc. yet XXXX stated the vehicle had been fully serviced, and stated over and over again that this vehicle had no problems. 


Only to find out, through certified dealerships, to date, problems with : 3 broken bolts in the exhaust system, both manifolds were cracked, top leaked, and stereo now does not work due to the leaky top or roof. These repairs, to date, have cost over {$4000.00} ... 


Last ThursdayXXXX Westlake XXXX XXXX, XXXX and his supervisor, told me that my title was ready and waiting at my local XXXX, located in XXXX XXXX, Nebraska. Upon arrival at my XXXX, I was told that I not only do they not have the title to my fully paid off XXXX, also Westlake has a lien on it. 


XXXX plus calls to Westlake, with XXXX assistance. I feel that this alliance between XXXX and Westlake is deadly, and is taking advantage of a vulnerable population. 


Any assistance you could offer here would be greatly appreciated.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I recently found out that my credit score dropped over 100 points because Capital One decided to charge me a {$5.00} fee. I have never been charged a fee from this card. This is absurd. I have perfect credit history until this nonsense occurred.