davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

During recent months I have noted the message on the monthly statements : " Partial payments : any partial payment s that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment the funds will then be applied to your mortgage. '' My account is current. I plan to start making additional mid-payment cycle payments to my account. When I look at this message I understand this to mean that diTech does not intend to observe my right to pre-pay my loan. I do not understand why diTech appears unable to apply mid payment cycle payments to the loan principal. If my understanding is correct, then it appears that diTech has defective accounting systems and may lack the resources to properly apply payments to loans in a timely and correct manner.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

Collections account ( Midland Funding ) appears on my credit report for an account showing opened in XX/XX/2016 ; an account I didn't open. Disputed with Experian, only response back from Midland is " Meets Requirement '' with no information provided. I believe this to be a fraudulent attempt to collect money.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (IL)

I have a mortgage with Freedom mortgage and in XX/XX/XXXX I was trying to refinance my home mortgage with them it took about five months, I did not realize that my husband was on the loan because I have refinance my loan about four time already with out him but to make a long story short I get his permission to sign his name from the title company name title XXXX who received his affidavit on XX/XX/XXXX now it took them both company to XX/XX/XXXX to have the signing agent to come out for me to sign all the paperwork and this was on XX/XX/XXXX, the signing agent told me and give me paperwork stating that I do not have to pay for XX/XX/XXXX and XX/XX/XXXX rent I have two month free and in XX/XX/XXXX my rent would be XXXX dollars a months but on XX/XX/XXXX Freedom mortgage call me and told me that I did not sign my husband name correctly so it would have to been done all over again, I set it up again for the signing agent to come out a couple of days before XX/XX/XXXX but he call and say he did not get the paperwork so he cancel it, now my problem is that I found out that my husband affidavit that he sign only was for 90 days and it ending in or around XX/XX/XXXX and Freedom mortgage and Title XXXX commit fraud, they knew that what I was signing for my husband was out dated and they still let me sign, this was they plan all alone to let me sign then call me up to telling me it did not take.
Consumer complaint received 2017-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

one day, i get that letter i enclosed and for almost three years treasury along with dept of education and XXXX XXXX all colluted question when ones salary gets a levy on ones salary isnt a judicial signature at minimium a equirement? no these XXXX XXXX just steal my money i write XXXX and no one did XXXX till i found a loop hole and stated theyd stop stealing my money buut almosr three XXXX years, i want my cash back! what the XXXX country is this?
Consumer complaint received 2022-09-09
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: AMERICAN EXPRESS COMPANY (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (WI)

Experian continues to show a delinquent XXXX  account XXXX I have never had a XXXX account XXXX Have contacted XXXX and they have confirmed that my SSN and Telephone # are not in their records, and therefore I have not had an account with them. 
The Experian report shows a former address for me in XXXX XXXX, LA ( this address is associated with the XXXX account XXXX I HAVE NEVER LIVED IN LA. 
The Experian Report also shows an incorrect name for me. Spelling my last name with a first letter of C ( should be G ) See pages 2, 3, 11 of the attached credit report.
Consumer complaint received 2024-01-29
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. (NY)

On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX stated they will take care of all my issues!! 
XXXX XXXX sent me an email stated they closed the account XX/XX/XXXX!!!
Consumer complaint received 2021-04-22
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: EdFinancial Services (VA)

I was admitted by XXXX XXXX ( XXXX XXXX XXXX ). I am still studying in XXXX XXXX ( Arizona State UniversityXXXX XXXX ( next the White House and the XXXX XXXX in XXXX DC as first XXXX American veteran ), President Joe Biden ordered DOE and Edfinance not to include student loan in credit report due to COVID pandemic situation. 

President Biden, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through executive order or legislation. 

Edfinance company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (CA)

This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. 

Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. 

Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.
Consumer complaint received 2019-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

This company sent my loan to collections, I received a call from someone claiming to be from the county court house. This person stated a warrant has been placed against me for a civil suit with no trial date been set and that I had to pay to avoid court. I told them I needed to do my own research on the matter prior to paying and they insisted I call whoever you want they will make you call us again. As it turns out there is no civil suit and it was just a high pressure scare tactic to get the debt paid in full.
Consumer complaint received 2022-07-20
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. (MO)

In accordance with the Fair Credit Reporting Act the following accounts : 1. XXXX XXXX Account # : XXXX Original Creditor : XXXX 2. XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX 3. XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX Account # : XXXX 6. XXXX XXXX Account # : XXXX 7. On the XXXX Report there are 2 account that are continuously being reported with no account name listed. The account # 's begin with XXXX & XXXX which is in violation of FCSR by not publishing proper information. 

8. XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 a late for and purpose.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

A correspondence was sent on XX/XX/21 in regards to collect a debt of {$42.00}. This company violated multiple laws : 1.Violation 15 USC 169 2e ( 2a ) was done by reporting a positive amount of debt owed.

2.Violation 15 USC 169b ( 3 ) was done by printing the logo on the top of the page.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Credit Protection Association, L.P. (IA)

I had XXXX service for television, internet, and phone in a townhome I owned in XXXX. I sold that property to move into a XXXX, XXXX in XXXX, IA. I contacted Moving Matters, a moving company that specializes in moving seniors into retirement communities. They pack, help downsize, and their designers set up your apartment in the community. I had a cable box, modem and all the hookups needed for the above service. I assumed it was all packed and taken to the XXXX. I checked with the moving company and they said their records showed all items moved as promised. However they told me I would not have needed a cable box at XXXX as the cable was sourced through XXXX. If a resident had a flat screen no cable box was needed. I know I was using the same modem as I used in XXXX or one very similar. ( Model Name-XXXX, XXXX, XXXX ) I lived at XXXX very close to a year and for personal reasons decided not to stay after my grace period of 365 days. In all the time I lived there I was never asked about the cable box or any of the equipment issued to me in XXXX. I still maintained the internet and phone so XXXX had my address and contact information. 

I had lived in XXXX for at least four or five months when I got my first collection letter. This letter was my first knowledge of this debt. 
Date XX/XX/XXXX ; Original Creditor-XXXX ; Account # XXXX I have the Modem ( Model Name-XXXX, XXXX, XXXX ) in question and a HDMI cable that is XXXX 's I think. I do n't know what happened to the cable box from XXXX. Common sense tells me it was in my apartment when XXXX set up my XXXX system. I was not missing anything other possessions that I had marked for the moving company. 

I have several problems with this claim. 

1. If it is customary to return these items and the information I received with the present system made it clear that is the case, why was I not asked for the XXXX Cable box, Modem and other hardware when I left XXXX? 

2. What was used to hook up my system in XXXX? I would like to see the records of the installation in XXXX to check the Serial # of the modem used against the serial # of the modem installed in XXXX. 

3. Did the installers see the XXXX cable box when they hooked up XXXX. XXXX has assured me that XXXX does all the installation. 

XXXX only handles the equipment they use to distribute the signal. So their technicians would not been involved in my apartment set up. 

4. Why was I not notified of this debt before it got to collection?
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prospect Mortgage, LLC (NY)

A person by the name of XXXX XXXX, employed as a " XXXX XXXX '' for " XXXX XXXX XXXX '' formerly " Prospect Mortgage '', did on XXXX/XXXX/XXXX at XXXX, utilize my name and social security number to order a verification service from XXXX . The above person used that information to obtain copies of my personal tax returns under the guise of researching an application for a mortgage. I did not authorize the use of my social security number nor have I ordered any such verification for a mortgage, loan or any other transaction with Prospect Mortgage nor XXXX XXXX XXXX. 

I have requested in writing from the above person and company, for a copy of the application and authorization form that I would have had to have signed in order to authorize them to conduct that transaction.
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds (CA)

I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na XXXX me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

I applied for a XXXX XXXX via XXXX XXXX over one month ago. I have called spoke with XXXX XXXX, she would not tell me what the extra {$300.00} fee was, then I went to the store on Saturday because I wanted to know what the charges were for and the customer service told me they could not help me that I needed to call XXXX, so its like a XXXX nobody would help me ( I knew of my balance because when you call the XXXX number above, they tell you the balance up front, but after that nothing ). so weeks went by and I never got my credit card, never received a statement. Yet sometime in the near future I have a bill that is due, so after continuing to call they admitted they sent my card to the wrong address ( weird because they delivered the bed to my house )! finally today I was able to make sure they fixed my address but NOT I HAVE TO WAIT 7 TO 14 DAYS FOR A STATEMENT!!! My credit will be affected because I have no idea what is due nor when it is due. I still don't ' know what the additional charges are, literally the bed I bought was only {$990.00} but I owe apparently {$1300.00}. I did order a table and headboards, but the back order was so bad, they I finally got annoyed and cancelled those two items. I only have 30 days to return stuff or you get charged allot for restock fees, so I feel like NOW I AM TOO LATE TO RETURN THE BED AND NEVER HAD A CHANCE TO REVIEW WHAT THE CHARGES ARE ON MY CREIDT CARD!!! 1 1/2 months later I still have no idea what is going on with my account or why they charged me extra. Its unfair and I want this resolved
Consumer complaint received 2019-05-08
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)

I was denied for credit I applied for. This prompted me to take a look at my credit. When I did, I noticed a lot of items that weren't familiar to me. These items are causing me a lot of issues ; personally and financially. I need these items removed from my credit for good so I can be able to get the things I need.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CO)

I took out a virtual credit card with TD Bank that provides XXXX XXXX to buy and exercise bike. There was a 18 month interest free period. I went online to setup a monthly payment and they would not let me set up a fixed payment each month so that it would be paid off in full at the end of the period. I would have to login and make a payment every month. I think this is sharp practice in that they are trying to make it more difficult to stick to the terms of their interest free promotion and that they must allow customers to pay off debts within the promotional period. If I missed a payment or did n't pay off the amount by the end of the period I would be subject to nearly 30 % interest.
Consumer complaint received 2021-08-05
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: Paypal Holdings, Inc (IL)

On XX/XX/2021 I made a purchase via Paypal for {$900.00} USD. Since the seller was in XXXX - the amount was converted to {$1000.00} CAD and was transferred to seller after taking out fees. 

Seller later on XX/XX/2021 decided that he does not want to go through the transaction and returned me the full amount of {$1000.00} CAD and so I was expecting to get the full {$900.00} USD back since there hasnt been significant change in the USD CAD conversion rate. But Paypal used two different rates to first convert USD to CAD when i made payment to seller and a different USD to CAD when the seller refunded, resulting in a refund of only {$860.00} or a loss of {$37.00} for me without having made a transaction.

I tried resolving this with paypal multiple times but they are not willing to refund me on this
and blame it on exchange rate - the exchange rate for USD CAD has not changed in last month and the difference in the payment and the refund is being pocketed by Paypal.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Transaction issue — 
Company: Army and Air Force Exchange Service (TX)

XXXX   XXXX ,    2016,   XXXX   XXXX  credit card deducted  XXXX  allotments from my military retiree pay.  XXXX  in the amount of {$74.00} and  XXXX  in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work  for 6 weeks  due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.