davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC (WI)

I applied for a loan on XX/XX/XXXX through XXXX XXXX XXXX to have work done on a window and door replacement. The loan was financed through Service Finance Company , LLC. 

The loan account was opened XX/XX/XXXX, and I immediately authorized a check for the full amount of the loan XXXX {$6800.00} XXXX. It was delivered on XX/XX/XXXX. I was told verbally payment is due XX/XX/XXXX, and that it was not an interest free loan. I was essentially under the impression that if I didn't pay in full by XX/XX/XXXX, I would start to accrue interest. 

Today, XX/XX/XXXX, I called to make sure the Service Finance Company , LLC received the check. They said that they received the check XX/XX/XXXX, but that I still owe interest on it. 

I was confused, as I had paid the loan in full before the due date ... so I inquired into exactly WHAT interest. Daily interest accruing during those 7 days, they said. XXXX XXXX. No one had informed me that interest was DAILY, but they said that this was stated in my contract. I was under the impression that interest was MONTHLY. 

Agitated, I went to pay this interest, totaling {$23.00}, with my debit card. They told me that they don't take cards, we need a check or your bank account. To get your account closed today, you need to give us your bank account and routing number. If you send us a check, you'll be charged more daily interest based on how long the check takes to get to us. 

But that's interest on the interest, I argued, NOT the loan. I didn't agree to pay interest on my interest, I agreed to pay interest on the LOAN, which was paid in full XX/XX/XXXX. I should NOT have to pay interest on interest. 

I was informed that that's just how it works. I proceeded to ask, " So the only way I can get this account closed TODAY is to give my bank account info? ". I was told yes. 

This seems like a giant red flag, since what legitimate company will not take debit cards for payment? According to the XXXX XXXX  website, this company has had plenty of interest related complaints as well, besides mine. 

I proceed to pay them over the phone. I ask the representative to confirm 3x over the recording to say that I DON'T OWE ANY MORE FROM THIS MOMENT ON AND THE ACCOUNT IS CLOSED. 

My complaint is regarding shady practices. Firstly, not being upfront about daily vs monthly interest ( burying it in the written contract & not in layman 's terms/easy to understand " it's daily interest '' ) ... secondly, charging interest on interest ... .and thirdly, only taking bank account numbers+routing numbers or checks as payment. 

I am also worried about two things : XXXX that they will try to accrue more interest from me ( that they themselves have stated today, XX/XX/XXXX that I do not owe anything more to them XXXX due to the processing time on their end of my payment. 

XXXX that they will fraudulently continue to debit my account regarding false interest.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (IN)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (NY)

Convergent Outsourcing sent an invoice to my employers accounting department requesting payment for a debt placed with their company. My employers information was not provided to this company, I have never received anything from them directly despite my personal address being listed with the company I allegedly owe the money to.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northeast Recovery Solutions, LLC (NC)

It has been 2 years since Northeast Recovery Solutions , LLC started contacting me for a fake debt. I had submitted 2 disputes already and they keep on telling me that im supposed to pay or they are going to make me pay for. I asked them the source of the debt i had and they said it came from XXXX XXXX XXXX, and I live in XXXX NC, Its almost 5 HOURS AWAY!. This is fraud and i called XXXX XXXX XXXX and spoke with manager and he said there was nothing in the system showing my name on, he put me on hold, and hanged up the call, i called again and they hanged up and they blocked my number.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Consumer complaint received 2020-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

This debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Experian one of the worse credit bureaus I have ever dealt with. I have contacted this bureau on many occasions. Informing them that I was victim of fraud. In XXXX and in XXXX during several breaches with XXXX. I have also disputed and provided documents from other credit bureaus of the account from XXXX XXXX on my credit report, being deleted from XXXX and XXXX. I also provided documents showing my information was on black web and found in 11 data breaches. I also made a identity theft report and placed security alerts with the credit bureaus. My name, social, email, security, personal information, employer and password were all found on the black web and in data breaches in XXXX when the XXXX XXXX Account was opened. There was a block on my Experian Credit report around XXXX, XXXX as well and XXXX XXXX was blocked from accessing it after receiving an alert. I then a few weeks later removed the block for an employer to access my report and I received another alert from XXXX XXXX that someone was trying to access my credit file. I was not contacted or email. XXXX XXXX is threatening me and trying to collect moneys not owed. This is a fraudulent account as my information was used. I will take legal action as I am requesting for this account to be deleted from my credit file. See attached documents below as XXXX  and XXXX  has already deleted this account. As this is damaging my credit score.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist,  in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to XXXX  Fed XXXX XXXX continues to furnish a series of late payments on credit profile. According to accounts XXXX which is displayed eleven times as nine late payments. The accounts are the same and with the reporting being calculated by FICO the inaccuracies of reporting are compromising my creditworthiness.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE DISPUTED THESE ACCOUNTS WITH TRANSUNION 3 TIMES TO HEAR NOTHING BUT YET.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-12
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. (TX)

I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to  the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Consumer complaint received 2021-09-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OK)

In XXXX of 2015, I signed a negotiable instrument ( promissory note ) with the company in question and per my contract as the debtor I am asserting my rights according to 16 CFR 433.1-3. 

Violations : 15 U.S. Code 1692c 15 U.S. Code 1692d 15 U.S. Code 1692e 15 U.S. Code 1692f 15 U.S. Code 1692j According to 18 U.S. Code 8 all debts are obligatory of the U. S. but the company in question is trying to hold me, the consumer as surety for the negotiable instrument and for extortion purposes.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My name is XXXX XXXX. I had a loan on a property through XXXX. I set it up on auto-pay so I wouldn't have to worry about it. 
Yesterday I pulled my credit and saw that it was down to a XXXX XXXX   score. I have been close to an XXXX beacon forever. I found out that LoanCare bought out my loan at some point this summer and I'm now showing 5 months delinquent. When I called to find out what was going on, they told me they notified my by mail that they now had my mortgage and I needed to pay them. They showed my primary residence as being the same home their loan was on in Oregon State. I live in Washington State and received no call, no mail, nothing. I set up my auto-pay in good faith so I wouldn't have to worry about it and now my credit is affected. They told me to email to try to resolve it, but when I emailed the address they gave me ( customersupport@myloancare.com ) I received an automated email telling me that the email address is no longer monitored. I called again and was told I had to file my issue through my online account. I called again and asked to speak with someone who could resolve it and was told the ONLY way to fix it was to create an account, agree to all the terms and write an email through that portal. The disclosures I had to agree to weren't legible and I had to proceed without understanding what I was agreeing to. I believe they're attempting to collect fees, penalties and additional interest by not making proper attempts to notify customers of the fact that they took over their loan. This mortgage was set up on auto pay so I wouldn't have to worry about making the payments. It's not my primary residence and I'm never there. At no time in the past 5 months was I notified my mail or by phone that LoanCare took over my loan. 
I'm trying to find their info on the XXXX  to file a complaint and I can't find them anywhere. They won't talk to me on the phone. I told them that I just want to pay the total of all payments and I want them to contact the credit bureaus and repair my credit. I've never paid a late payment in my life and having my credit score drop by 150 points  because this shady operation didn't do their due diligence to find out where I actually live or call me is ridiculous. I believe they're trying to fraudulently collect unjust penalties, fees and interest by not making valid attempts to contact their new customers to make them aware of the fact that they bought their loan out. 
Please help. I simply want to pay the total of my payments without fees or penalties and have my credit fixed. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-04-06
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: JPMORGAN CHASE & CO. (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

When this false debt first appeared on my credit report in XX/XX/2020 I wrote the Company " Southwest Credit Systems '' explaining this was NOT my debt and they have incorrect information. They never responded to my letter, however they continue to illegally and falsely report this debt to my credit report through XXXX  and XXXX. I do not owe Southwest Credit Systems for {$3600.00}. As a result of this false claim it is reflecting horrible on my credit character.
Consumer complaint received 2021-09-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing refuse to legally acknowledge XXXX bankruptcy laws for property ( XXXX XXXX XXXX XXXX XXXX Nevada XXXX ) successfully reorganized to new contract and ultimately discharged in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting and falsify the servicing for balance of old loan of old debt agreement discharged and restructured in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws for debt collateral ( {$120000.00} ). Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure based on XXXX loan with XXXX XXXX XXXX without legal authority. Collecting cash since XXXX ; yet, refuse to apply cash payments paid since XXXX in total {$180000.00} and based on {$310000.00} due for debt and deceptive collection of the amount owed. Sent countless QWR over the last years, as well as, hired attorneys in excess ( $ XXXX ) to help resolve. Most recent action filed CPFB # XXXX.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America was running a 0 % promotion until XX/XX/XXXX. On XX/XX/XXXX I decided to take advantage of this promotion and borrowed {$20000.00} to purchase landscaping services and they charged me an {$800.00} fee on top of the {$20000.00} so the Total was {$20.00}, XXXX. When I saw the next bill they had charged an additional {$360.00} of interest on top of the {$800.00}. When I called to let them know they had made an error they told me they would not honor the promotion since the landscaper had the same last name as I did. I do not own the landscaping company. There was nothing in the fine print that said they can determine who I give my business to. There are many businesses in this area with my same name but I do not own those businesses either. It is like XXXX. So they told me I had to return the money in order to get the {$360.00} back which I did. They have not returned the interest or the fee they charged. But what they have done is fraudulent advertising. Also I want the {$800.00} back since I did not wind up borrowing on this promotion. On XXXX and XX/XX/XXXX I had paid {$1100.00} for the first billing so on XX/XX/XXXX I paid {$19000.00}. They should return the interest they incorrectly charged me {$360.00} and the {$800.00} fee they imposed. There is no reason they should keep this money as I did not get the promotion. Why should they dictate who I hire? There was nothing in their promotion that said they have to approve the business I use. This is fraud and usury and stealing and false advertising. Please make them give back {$800.00} + XXXX plus the {$1100.00} I paid.. I will never use the Bank of America again and I have already secured the loan through another more reputable bank.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo advised me if I would make on time payments for six months they would review and help on the late payments fees. I did all this and put on auto payments also. Called after 6 months and around and around I go. Go taken up the latter then I get a letter saying they reviewed all my calls. Well not all. Showed only called twice in 3 months. Well my version bill shows 15 times. 
This bank lyes like they did to the government. 
Still no resolution on lying on my credit report also Looks like some deal was made not to auto update everyones credit report after the line of credit scam. Now over averting there new scam of a credit card
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

I am a Citi customer having a credit card for 20 + years and I have the same phone number for about the same length of time. I opened a new checking account with Citi. I have not been able to access the money a put into my checking account for 10 days now. Their excuses are ranging from me opening the checking account online, not giving me temp checks because it was opened online, I can't take cash out cause it was opened online, can't transfer money to a domestic other bank because my phone number is not registered with them and even though they send me a debit card it is useless because they would not send me the code to access my money. I need this code to set up my own code. I am using the same phone number they have in my records for 20 years! Then I call them on the number they have in a pop up screen when I want to transfer the money but they after I identified myself they said that my phone is not registered with them so they can not give me permission to transfer or access my own money. They did trial deposits into my out of state checking account and they still can not give me a code to do the transfer because my number is not registered. Then the phone clerk goes away and comes back saying do they have my permission to register my phone number and I said yes. Then they come back after put me on hold for 10 minutes saying they can not
do it because it is a land line. I said it is a cell phone. They said they can not give me the code for 14 days!

I am outraged that this bank is allowed to even operate in the US. Not one of the banking associates were American. They are in business of steal the funds of American customers!