davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (CA)

On XX/XX/2020 i went to a store XXXX XXXX to purchase furniture. I bought two items totaling {$850.00} as i was going to pay i was offered a 3 month payment plan through their creditor Acima. I accepted it and was aporoved for {$1700.00} line of credit. I paid {$50.00} out pocket that day. Then they set up my payment plans to XXXX monthly for the mentioned time of 3 months. Calculating the payments they did not add up to the total amount, but i had no way of contacting thr company, other than the seller. My contract was not sent to me via email nor eas it uploaded on.the website. Til almost the last month when i had to update my card info, and they contacted me i was explained that my remaining balance was way more than what i bought. The reason being that was supposed to pay the remaining amount without knowing to cover the total amount purchased in 3 months. This is a fraud because they intentionally put my monthly payments to XXXX instead of the amount totaled divided in three. This being because if the total was not payed the amount of XXXX would extend 12 months more without notice. I was never noted this from thee seller nor the company. A {$850.00} total now is being added {$1000.00} plus tax. I believed i was lied too, to lure me in their system by falsely promoting a 3 month pay system when they intentionally make it not payable in the 3 months mentioned and extreme interest maki g them gain so much from their clients. Im sure im not the only one. This company needs to be stopped. Its not fair that during these hard times companies like this one are taking advantage of us by falsely advertising promotions.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TD BANK US HOLDING COMPANY (CA)

XXXX of the XXXX gift cards valued {$50.00} I purchased was not redeemable a week later when I first tried to use it. It was purchased at XXXX XXXXXXXX XXXX, CA on XX/XX/2021 around XXXX. I was bounced back and forth between XXXX  customer service and XXXX XXXX about this XXXX balance new XXXX gift card. XXXX  verified it was activated therefore it can not be refunded. XXXX XXXX said it was redeemed right after activation. A redeemed gift card can not be refunded. Therefore I as a consumer and victim of this cyber robbery was left with the loss. It is very unfair! Both XXXX and XXXX refused to take responsibility of the security of their gift cards. I will never purchase another gift card again. The consumer lose money when the purchased gift card has no fund in it since it is nonrefundable.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

XX/XX/2019 A payment attempt was made for the full amount of {$9200.00} instead of the minimum payment. This was my fault as it was the first time I used this card and usually when I get a new card I set up auto pay with min payment. This is how I have it set up for all 30 of my other cards and is why I have a PERFECT PAY HISTORY FOR 10 YEARS. 


In this case I somehow must have selected pay full instead. I discovered something was wrong XX/XX/2019 when I logged into the website for a routine check and noticed the payment had not been made. When I called customer support I was told that my account had been froze due to non payment. I explained the situation and how I made an error by selecting the entire balance and they said it was just routine since such a large charge was attempted. I was then transferred several times until finally I was told someone would have to call me back. 

XX/XX/2019 - XXXX I called back since nobody returned my call and notified them I was still not able to make a payment or access my account. THIS IS WHEN THEY DROPPED THE BIGGEST BOMB I HAVE EVER HEARD IN MY ENTIRE LIFE. The woman on the phone notified me that my account had been cancelled. I almost lost my mind since I have had a perfect payment history with everyone of my 30 open accounts as well as the 2 with them. I told them this  must be a mistake and to please check again. I was told to call back at the end of the day. 

XX/XX/2019 - XXXX I called back and re told my story and pleaded with the person on the line to please not cancel my account as it was more than just taking a XXXX hit on my debt utilization but we were also in escrow to buy our first home and this would devastate our credit as well as we would not qualify for our home loan. 


XX/XX/2019 I just today was sharing with a friend my concern and he shared CFPB with me. The most ridiculous part of all of this is that I still dont have an answer as to why they just closed my account after perfect payment history with them with no explanation???????????? 


Here are the 2 cards I have with them PenFed Platinum Rewards Visa Signature and XXXX limit not a single late PenFed Promise Visa XXXX limit not a single late
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC (IA)

I was pre-approved through XXXX XXXX ... I applied this morning on XX/XX/XXXX ... it says I was denied due to having a duplicate application .... I called and a representative said I applied XX/XX/XXXX... It says you can't apply within 30 days ... 30 days from XX/XX/XXXX would have been XX/XX/XXXX ... Today is the XXXX... She told me they go by a different calendar so I would have to wait till XX/XX/XXXX .... That is 60 days from XX/XX/XXXX. She was so rude and wouldn't transfer me to a supervisor!! She said she had no way to!! They kept telling me to call back later due to system updates!! This company has been blowing up my email with pre-approvals and offers!! And then they can't even let me speak to a representative that will help me!
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

For the past 2 years I have tried to submit a mortgage workout package with my current mortgage company and has been a hassle as they always claim that my documents are incomplete. I have submitted a complete package again on XX/XX/2019 and I was advised by the rep that its assigned to my loan that it was a waste of time that would not be reviewed. 


I don't know where to go now.
Consumer complaint received 2016-12-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America sold a loan in which I was in dispute as illegal. While I was waiting for BOA to verify that my home loan with them was not legal they sold a XXXX loan to XXXX Mortgage, XXXX. I am seeking an answer to my quest. In XXXX I purchased a home under the first time buyers XXXX program. In XXXX I filed for a Modification with BOA for refinanced loan in XXXX, after refiling for this MOD in XXXX, I discovered that the loan was not legal so I requested a QWR from BOA in XXXX XXXX. After a year of haggling on today XXXX XXXX I finally got the complete package. I also in XXXX of this year sent a copy of the pages of the original Deed which shows that this is not a legal loan as of today BOA has not responded or addressed this issue. I am seeking closure to this matter! 
I explained to BOA that I also had a second with XXXX XXXX XXXX XXXX which was illegal. After my sending XXXX the portions of the deed which outlined the restrictions on the deeded property they gave me a Lien Release. I am seeking the same results from BOA and the acknowledgement that they sold my loan while we were in dispute. I need BOA to relay their findings to me and CMS.
Consumer complaint received 2021-04-01
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. (IL)

Ive been in contact with Experian since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois XXXX XXXX  and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  IL XXXX INQUIRIES XXXX XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (PA)

On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call. 

As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (MS)

On XX/XX/XXXX, I contacted 21st Mortgage to inquire about payoff. I was given a payoff amount of {$11000.00}. A payment was due on this account on XX/XX/XXXX. I was told this payment was not included and that making the payment on XX/XX/XXXX would save the amount of the payment due XX/XX/XXXX. I paid the account in full on XX/XX/XXXX in order to save the {$280.00} payment per quote and was informed that this payment would not draft as account was paid in full. On XX/XX/XXXX, a payment for {$280.00} drafted from my account. I contacted 21st Mortgage at this time and was told it was an error and that I would be refunded by check. On XX/XX/XXXX, I received a check for {$40.00}. I contacted 21st Mortgage at this time. They now state that the payment was due after the account was paid in full and that it was an error on their part. They will not, however, issue any refund.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I set up a payoff with Rushmore and my deadline to pay off was on XX/XX/XXXX. I made a same day wire transfer on XX/XX/XXXX for {$50000.00} to their XXXX XXXX account. They started calling me asking for {$200.00} because I missed the XX/XX/XXXX deadline. They claimed they hadnt received the payoff until after the deadline on XX/XX/XXXX. I emailed and faxed them proof of payoff showing a XX/XX/XXXX pay date. Was told I would get a call back last week or early week worst case and heard nothing from them. Yesterday, I called to get a status as I noticed they refunded me the {$50000.00} back to my bank account. Who refunds {$50000.00} for a {$200.00} problem that they couldve just did an override after showing proof???!! Oh, this company does! The supervisor told me they were still working on it and he had no answers. I paid them in full and they refused to release my deed. Now they refunded my money with no answers.
Consumer complaint received 2021-08-14
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: Elevate Recoveries, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ELEVATE RECOVERIES LLC Original Creditor : ELEVATE RECOVERIES OR XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX NO CONTACT NUMBER LISTED Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on ELEVATE RECOVERIES LLC Original Creditor : ELEVATE RECOVERIES OR XXXX XXXX XXXX  account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (AZ)

I traded in my vehicle, a XXXX XXXX XXXX on XX/XX/XXXX, and received the vehicle on XX/XX/XXXX. Since I traded the unit in, with a payoff pending I did not make a Payment. When I was informed that a payment needed to be made or I would be reported as late to the credit bureaus. I made the minimum payment the representative stated of {$290.00} on the XXXX and the payoff check was received the same day ; however, Bridgecrest did not post it to the account. Due to my payment and the payoff both being received the same day which would result in an overpayment but I was informed that I would still be reported negatively to the credit bureaus. I have worked hard to get my credit on track and I think this is wrong as they received both payments to complete the payoff of the account.
Consumer complaint received 2021-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MO)

On XX/XX/2022 the defendant wrongfully began reporting false and harmful information to the credit bureaus regarding such an account which has never been mine, would have been mine, and whatsoever. I have filed disputes with credit agencies and this has led me to here, a violation of FCRA regulations which protect against harm and financial hardships against consumers. 

Defendant has been sent a refusal to pay letter, per FCRA guidelines and was received in their offices on XX/XX/2022 at XXXX XXXX. The actions resulting from the letter being delivered have been ignored and the consumer is illegally being impacted by the misinformation this business is illegally reporting to the credit agencies. 

It has been 5 business days since delivery and accounts are still reporting illegally and incorrectly on the plaintiffs ' credit reports. The complaint is a demand per guidelines on FRCA this account be removed, any and all attachments to said, individual. I am a victim of identity theft and it is federal due to crimes attached to my credit profile.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP (MO)

They furnished a report without my permission, which is a violation pursuant to 15 usc 1681b ( 2 ). They furnished a report without my permission. They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the power to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I can deem what is private to me. They also said I defaulted on a judgement when pursuant to 15 usc 1692g ( c ) nobody is allowed to say I owe anything.
Consumer complaint received 2019-02-25
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: ERC (OR)

Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX  remove the account from XXXX XXXX XXXX.