davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction. 

On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next. 

On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period. 

On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out. 

Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.
Consumer complaint received 2015-06-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (SC)

Took out loan through Rise XXXX was advertised as a loan to help boost credit and get back to responsible borrowing. Used as consolidation - took out XXXX XX/XX/2014, now it is showing as owing XXXX I contacted lender multiple times asking for reduced payments, and payment arrangments, with no response. It is now charged off and with a collection agency.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MA)

Transaction History IN Crypto.com Frozen my funds customer support did not RECOVERY MY FUNDS XXXXXXXX  XXXX/XXXX/XXXX  at XXXX XXXX XXXX  COMPLETED XXXX  XXXXXXXX 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  PLEASE ASK CRYPTO.COM TO RETURN MY BACK PLEASE HELP ADDRESS crypto.com Crypto.com XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida XXXX | contact XXXX crypto.com | XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma,XXXX  please help ask my money back {$110000.00} will up or down market rate date XX/XX/2024
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. (NY)

The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate on Experian report, the " last day active '' is inaccurate on XXXX and Experian and even the " date of last payment '' is inaccurate on both bureaus. I have disputed this multiple times with XXXX and XXXX and everything has been coming back the same for every time I dispute. I was sent a letter from XXXX which is the account that I have been disputing. I attached to this case, so you will see in the different exhibits that I have tried to rectify this and they keep stating that they have did their extensive investigation. If that's so why is the letter from XXXX giving a different last date active, last date of payment and the open date of this account. This letter from XXXX is actual and factual source. Like I said, the bureaus did not do their due diligence. This is a ground for REMOVAL IMMEDIATELY. The consumer reporting agency have an obligation according to 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I also have : 15 u.s.c 1681 section 602 A I have a right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2017-10-14
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: Experian Information Solutions Inc. (TX)

This is my fourth request submitting this exact same information. After about 71 months of dealing with ID theft, I have provided and it was requested from all 3 CRAs, but only 1 still refuses to remove 3 accounts. Under 15 USC 1601cb block, Experian ( Especially in light of XXXX V. Experian ) KNOWS it must block fraudulent information. I have sent them via XXXX 3 different BONA FIDE verifications of FRAUD. Which they will not remove, the XXXX account remains, they reinserted the XXXX accounts that had been deleted, and my personal information has 2 Last NAMES. I want this fixed, or like XXXX  they will force my hand. I HAVE HAD ENOUGH, of the fraud on the Experian file and I enclosed all the required documents they requested each and every time, which Experian indicated were needed as described in their original correspondence with me when I first informed them, and thus they also placed a 7 YEAR FRAUD ALERT on the file. I additionally have contacted the creditor, the FTC, the CFPB, the Texas AG, and NY AG, I received an acknowledgment in the mail but they left the fraud accounts on the reports, only EXPERIAN, Of course which is exactly opposite to that which I had legally provided proof. I 'm attaching the documents which were provided and request for the fourth time that they remove the accounts. Do I need to ask a federal judge to make them listen?
Consumer complaint received 2023-04-15
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 (MI)

PayPal permanently restricted my account after I filed a complaint for a separate account a individual account and a business account are two different things my commerce should not be hindered and is a breach of contract these two accounts are not associated legal notice of rescission breach of contract I have several deposits being made to this account which will be illegally hindered and restricted
Consumer complaint received 2020-06-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: West Law Group, PLLC (TX)

I received a payday loan in XX/XX/XXXX for XXXX. I received a default judgment on this loan in XX/XX/XXXX for XXXX. I was not notified of a prior court date or given a chance to object or settle this debt. I contacted the third party ( attorney ) who allowed me to make a payment arrangement on this debt. I paid a total of XXXX on this debt. I then fell behind on my payments due to absence of work. The attorney then filed an order in court for me to turnover after judgment with out crediting the money previously paid. The attorney also refunded one payment in the amount of XXXX to block me from paying off my debt. This attorney has used bullying, unfair and unethical tactics to get me to pay significantly more than what is owed. I feel hopeless and helpless. Please help.
Consumer complaint received 2017-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (OH)

I 'm doing this thing with active hours and my bank. chase is not sending stuff on a timely matter my account is not being processed properly my bank is located on XXXX XXXX in XXXX  ohio it takes a couple of days to process stuff like sending my info or depositing money into account
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to XXXX and Transunion to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I set up a payment plan with the company ; 4 payments of {$20.00} on the  XXXX  and the  XXXX . I called on  X/XX/17    to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on  XXXX  even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has reported an account to credit reporting agency with wrong information. XXXX XXXX XXXX stated they submitted information to Experian and XXXX  to delete the collection account from my credit report. According to the reporting agencies, they stated they never received any information to delete. 

I have attached information from XXXX XXXX XXXX respond to CFPB that they had request this collection be deleted from my credit report. This error has caused a delay in closing on a home and financial hardship
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending Loan # XXXX XXXX for lower payments on XXXX XXXX closed sign loan docs for {$1500.00} payments. 
Had existing XXXX XXXX - XXXX XXXX per year {$3100.00}. 
On XXXX XXXX Planet Home Lending increases payments to {$2200.00}. 
Filed complaint with CFPB. resulted in lowering payments to {$1900.00} XXXX XXXX. 
Planet Home Lending has sent numeous Delinquency notices that I am delinquent for {$3800.00} XXXX XXXX and XXXX XXXX. 
My recorded payments have been for XXXX {$1500.00} XXXX {$1500.00} XXXX {$1900.00} XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again. 
XXXX XXXX requested for XXXX or open balances called in - they said a Customer Service Manager will call me again XXXX XXXX spoke with XXXX - she stated again that a Customer Service Manager will call me again his name is XXXX ... he gets in at XXXX Eastern Time. 
They have not sent an allocation of cost or diff in payments owed ... only delinquency payments.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Rubin & Rothman, LLC (NY)

On XX/XX/XXXX my mother, informed me that her account was blocked and she was made a aware of this when she tried to purchase her medication at the pharmacy. I assured her I would resolve this for her as she is XXXX and has her limitations. I will keep this as short as I can. Turns out there was a judgement to place a hold on her account by a collections agency claiming that there is a debt in the amount of {$8400.00}. However, this hold is allegedly because of me and not her. I am a signor in her account therefore they went after her funds. I find it odd because I have my own personal account, but they went after hers. I fought and fought about this because I have no recollection of this so called credit card debt and I also was never even served by them. I demanded they mail me documents supporting this accusation and received an affidavit dated back on XX/XX/XXXX. Surely I would remember being served with something such as this 5 years ago and I would have definitely filed an identity theft claim back then. They are savages and I went to the civil to file an order to show cause and also have a court date XX/XX/XXXX to have this dismissed and vacated. My poor mother does not have access to her funds that are 100 % to her ownership, I am only the signor in case I have to do something for her on her behalf but these are NOT my funds but they sure went after her money. As of now I will be filing a police report. Thank you in advance. XXXX
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

There were unauthorized transactions worth of XXXX grand and I was only notified once by the bank and their fraud department upon calling and speaking with the fraud department at TD Bank they said my card and account would be completely closed until the dispute was finalized. My dispute was denied because I was informed it was pin based meaning the suspect used my pin and account info along with personal information to do money orders. As soon as I found out I put a fraud alert on my accounts and attempted to reach out to the local police as well as making a complaint with the FTC. Now the bank is saying my account will go to collections and I have to pay them back XXXX grand.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

Last week my girlfriend tried to cash my check for me on venmo because I didnt have a bank account. It didnt let hee, so I made a venmo account and cashed it on my account. The next day they froze my account and wont let me access my money. Its almost XXXX XXXX XXXX I need this money to pay my bills and feed my XXXX. They wont tell me why my account is frozen, Ive sent them a picture of my ID, my social security number, along with a picture of the bank account on file. They still have not releases my money or given me any explanation.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is showing XXXX XXXX which has been closed and satisfied long ago still on my credit report. This account needs to come off of my report. 
It is also showing XXXX account which is not my account, it was closed but it is still showing up on my credit report. This also needs to come off of my report. This is stopping me from getting a car.
Consumer complaint received 2022-02-15
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. (MI)

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (TX)

Diversified C onsultant In. Is trying to collect on a debt that was already disputed and deleted from all  XXXX  bureaus..   Diversified is trying to do fraud actions and I will make sure I go to BBB if this does not get resolved.   How can you get information on me without my knowledge and try to make a collection on a debt that was disputed and deleted of my account in  XXXX ?   I Diversified consultant does NOT have and VALIDATION WITH MY SIGNATURE asking about a collection that was DISPUTED..   What Diversified consultant is trying to do is fraud.   Diversified bought this Already disputed and deleted account from another collection agency.   I will take further actions ...   I will sue and report this company to the Better Business Bureau
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc. (MD)

I went to the ER at XXXX XXXX XXXX after being XXXX as a pedestrian. I paid the bills that XXXX sent me. Receivables Outsourcing, LLC sent me a letter to collect. I asked for a printout of the charges which they sent me. I called XXXX and talked to both of their billing departments and they both said I have no outstanding debt. I called RO LLC and they refused to talk to me without me giving them personal information. I refused to give them my information until they can verify the debt is real from XXXX.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (MO)

I received a notification from XXXX XXXX that there is an " open collection '' on my XXXX Credit Report. On my report there is an open collection from the agency " EOS CCA '' for {$56.00}. The original company says " XXXX XXXX ''. I called XXXX XXXX XXXX and they confirmed that I do not have any debt and that my account is closed and paid in full ( documentation attached ). I called EOS CCA at the number provdied by XXXX ( documentation attached ) and tried to remedy the issue. Before this call I looked at review for EOS CCA and many consumers stated that this company is a scam and is looking for personal information. In my call to EOS CCA I informed them that this was not my debt and they refused to help me unless I gave them my Social Security number. They could not find my account based on my name, address, or phone number. They said unless I give them my social security number they would be unable to help me. I called and made a complaint with the XXXX as well as XXXX. XXXX is going to dispute the charge with EOS CCA. My credit score is going down because of this company and this open collection. I am hoping that this is investigated so this does not happen to anyone else, and so this does not effect my purchasing decisions in the future. Thank you for your support.
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: UMPQUA HOLDINGS CORPORATION (AZ)

We applied for a $ XXXX mortgage loan XXXX % down from Umpqua Bank. Despite more than adequate income to make payment, excellent FICO score ( XXXX ), and prior home purchases involving Umpqua , the requests for documentation went back 4 years and were both intrusive and onerous. We understand all these loans get sold to XXXX and XXXX XXXX, but my understanding is that conforming loan documentation typically only goes back 2 years. Why the need for so much information and red-tape?