davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TN)

notified by XXXX  that there was an inquiry Inquiry was from company named " Comenity Bank '' Contacted Comenity Bank and was informed that they did not run credit report Contacted XXXX   again and they confirmed that Comenity did, in fact, run an inquiry I have no knowledge of Comenity Bank and am worried that fraud may follow. 

XXXX XXXX
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter from a debt collector whom i do n't have a contract with or never had any dealings with, I tried to call and clear up the matter on XX/XX/XXXX and was hung up on several times. On XX/XX/XXXX this was place on my credit report. This is not my debt and this should be removed from my credit report immediately.
Consumer complaint received 2020-10-20
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. (OK)

THIS COMPLAINT IS SIMPLY IN REGARDS TO A FAIR CREDIT REORTING ACT VIOLATON DUE TO CONTINUES REPORTING OF INACCURATE INFORMATION FROM EXPERIAN INVOLVING TWO DIFFERENT ACCOUNTS. THESE ACCOUNTS NEVER BELONGED TO ME IN THE FIRST PLACE BUT EXPERIAN HAS REFUSED TO HONOR ANY OF DISPUTES FROM THE PREVIOUS MONTHS. NOW AFTER CAREFUL RESEARCH I'VE NOTICE AN ACCOUNT LISTED UNDER XXXX has inaccurate or wrong payment history listed for the month of XX/XX/XXXX which has the account being 60 days late for two consecutive months being the months of XXXX and XXXX which we all know after we learned count at the ages of 4 and 5 that it is totally IMPOSSIBLE FOR 60 DAYS TO COME AFTER A 90 DAY PERIOD. THIS CLEARLY IS INACCURATE, A VIOLATION OF THE FCRA, AND IMMEDIATE GROUNDS FOR REMOVAL. I WILL  INCLUDE A COPY OF THE SCREEN SHOT WITH THIS COMPLAINT TO SUPPORT MY CLAIM. ALSO ANOTHER ACCOUNT BY THE NAME OF XXXX XXXX XXXX HAS AN OPEN DATE OF XX/XX/XXXX WHICH DOES NOT REFLECT THE ORIGINAL OPEN DATE OF THE ORIGINAL LOAN AND ALSO IS INACCURATE, ANOTHER VIOLATION OF THE FAIR CREDIT REPORTING ACT, AND GROUNDS FOR IMMEDIATE REMOVAL FROM MY CREDIT REPORT. I EXPECT EXPERIAN TO ADHERE TO THE FCRA AND TAKE THE APPROPIATE ACTION TO RESOLVE THIS MATTER. FALSELY ACCUSING ME OF USING ANY TYPE OF CREDIT REPAIR SERVICE IS NOT A RESOLUTION TO THIS ISSUE.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NM)

ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I have not received any information regarding this claim that I owe a debt since the first delinquency date to my knowledge. I have no written form of communication with this party nor do I know where this debt originated. 


Date Assigned XX/XX/XXXX Original Amount Owed {$510.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Last Payment Date ( this is BLANK ) Date of First Delinquency XX/XX/XXXX Contact ( This is the company that is listed on my credit report ) COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX GA XXXX XXXX
Consumer complaint received 2022-09-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NC)

Attorney XXXX XXXX XXXX filed XX/XX/XXXX on all our documents to Movement Mortage when our closing date was XX/XX/XXXX. Escrow storage on our property started in XX/XX/XXXX. Attempt several calls to the reached attorney to explain why Movement Mortage has a homeowner account dated XX/XX/XXXX. On our closing date, we sign documents dated XX/XX/XXXX, I didn't question it because he was representing us.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed 2 unauthorized inquires on my credit disclosure. The first inquire is dated XX/XX/2020, from XXXX/XXXX. The second inquire is dated XX/XX/2020, from XXXX XXXX. These old unauthorized inquires keep reappearing on my disclosure after I disputed them recently. Trans Union doesn't allow the consumer to dispute unauthorized inquire online. Why don't the Trans Union allow consumers to dispute inquiries? That needs to change it's very depressing and biased.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

Our first tax bill, received in XX/XX/XXXX, was due onXX/XX/XXXX. We called XXXX XXXXn late XX/XX/XXXX in order to be sure there were no issues and in an attempt to have the taxes paid inXX/XX/XXXX. They said they had numerous requests and may not be able to get to It inXX/XX/XXXX.

I called XXXX on XX/XX/XXXXand was told they would pay the taxes before the end of XX/XX/XXXX. I reminded them the taxes were due onXX/XX/XXXX and our escrow account had the funds to cover the taxes. I spoke with XXXX on that call.

The next time I called was on XX/XX/XXXX the date the taxes were due. XX/XX/XXXX told me that XXXX  usually wired funds on the due date to the taxing agency along with a list of the property owners. She said she would follow up and let me know on the following day. She did not call back the following day.

OnXX/XX/XXXX I called XXXX and spoke with XXXX  and was told our tax payment had been expedited and our taxes would be paid within the next 5-7 business days. He also told me that they would withdraw {$1600.00} ( the actual tax due ) from our escrow account and XXXX would pay the {$44.00} late fee. In actuality they took the entire amount of {$1700.00} from our escrow funds.

On XX/XX/XXXX XXXX  called me back and told me our Parcel ID was uncertified per XXXX County and that XXXX got the problem solved with XXXX   County. Then she said our Parcel ID number is now certified and XXXX would pay the taxes owed.

I called XXXX  Countys Assessor Office, Auditor and Treasurer. None of them had any idea what Parcel ID Certification meant. I was told by the Treasurers office they had received funds from XXXX in XX/XX/XXXX but our taxes were not included. XX/XX/XXXX County Government address is : XXXX XXXX XXXX XXXX XXXX SC XXXX. Phone : XXXX

We are unhappy with how XXXX this was handled by XXXX. Due to XXXXs failure to uphold their fiduciary responsibilities and causing us to pay for their error, we believe the escrow account requirement should be cancelled free of any charges to us and allow us to handle the taxes and insurance in a timely manner. We paid {$330000.00} for this house and our mortgage balance is {$120000.00}. We have paid the mortgage payment plus additional funds toward the principal each month. XXXX is well protected and would assume no serious risk by cancelling the escrow account requirement.

Attached : XX/XX/XXXXTax Notice XXXX statement Notes from phone calls with XXXX
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

Paypal Ref ID - XXXX Following my previous complaint and I had to close the Paypal account which was compromised and opened a new one. I have no choice since XXXX and Paypal are tired together and controlling the money transfer ( this monopoly has to be stopped! ). Paypal is acting likes a bank and collecting all personal info ( without appropriately protecting their users ) and help my money for over a month. It ; s as usual, we are never able to speak with any their staffs, all messages were answered by " copy and paste '' even though I provided all they asked for, they still wanted to hold my money for another 5 days until they finish " review. '' If I would had a choice, I never wanted to deal with Paypal!
Consumer complaint received 2018-03-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (TX)

I had took out a loan from Big Picture Loans for the amount of {$550.00}, agreeing that there would be a interest rate and a payback period. I was informed they would take out {$140.00} until the loan was paid off with their interest. I was unable to view the " truth-in-lending '' disclosure in detail until the funds were already in my account and that they would be charging my account 697.0857 % interest and I would not be able to pay off the loan until I paid back {$3100.00}. To date i have paid back {$1000.00} wit only {$31.00} taken off the principal balance. They claim they are an XXXX XXXX and are immune to federal US law. There is no way to pay off your balance in full and I fear that they will try and Refinance and cease to stop taking payments from my bank account.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Office of Edwin B. Parry (CA)

I received a letter from the Law Office of edwin perry. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 XXXX I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked Mr. XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the Law Office of edwin b perry, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.
Consumer complaint received 2018-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (VA)

We leased a new XXXX XXXX XXXX XXXX from XXXX XXXX Honda. We returned this vehicle to the dealership and received formal notification of the vehicles return on XX/XX/XXXX. On XXXX XXXX XXXX we provided a check for XXXX to Honda Financial services for the Virginia property taxes on the vehicle for XXXX. At the time we turned in the vehicle we actually purchased a new XXXX XXXX from the dealership which we still own and make payments for to Honda financial services. 

Honda Financial Services received a property tax bill from the County of XXXX for the XXXX property taxes on the vehicle that we turned in in XXXX XXXX for {$230.00} due on XXXX XXXX, XXXX. Honda Financial Services paid this tax and now they are apparently attempting to bill us for the XXXX property tax on a vehicle we turned into them in XXXX of XXXX. 

We have informed the company repeatedly of this problem and they keep sending us letters saying we owe the tax. We do not and refuse to pay Honda Financial Service for a vehicle we do not own.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (NJ)

i was looking thru my credit report and noticed this account from cybrcollect which i had never applied for. This account does not belong to me and is the result of fraud and i have never given them permission to have access to my personal information. I have filed an identity theft affidavit to support my request.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I received a XXXX XXXX XXXX  card ( through Comenity Bank ) at the store when I bought jewelry in or around XXXX. I consistently made payments on the balance. When the pandemic hit, I experienced financial difficulties, so my social worker helped me negotiate a payment plan with Comenity Bank. I began making payments pursuant to the plan. 

In XX/XX/XXXX, I received a billing statement, indicating a total balance of {$1200.00} with a payment due date of XX/XX/XXXX. I was able to pay off the entire balance at that time so I called Comenity Bank. The Comenity representative on the phone confirmed that I could pay off the balance and owe nothing further to Comenity. I immediately went to Kay Jewelers to do so ( XX/XX/XXXX ). 

Despite paying off my entire balance by the due date in XXXX, I am still being charged interest and late fees on my account. I disputed this with Comenity, but they claim that this is valid because I was not eligible for a grace period. I was paying pursuant to a covid hardship payment plan and dont understand why they are doing this. 

I am an unemployed XXXX senior trying to survive on social security alone. This has been particular stressful for my health. My local Legal Aid office assisted me with completing this complaint. You can contact attorney XXXX XXXX for any questions at ( XXXX ) XXXX.
Consumer complaint received 2020-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been contacted by PORTFOLIO RECOVERY on a daily basis, multiple times a day. Seems just shy of being harassment. After reviewing my credit report I believe that this is an attempt to collect a debt, but unfortunately, I have disputed this debt before through the credit bureaus asking for validation/verification that I actually own the {$310.00} worth of debt with physical documentation containing my signature, with no success. Therefore, I ask that PORTFOLIO RECOVERY deletes their negative information from all three of my credit reports because according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting bureaus and collection agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit  bureaus and collection agencies have on file of the accounts listed above. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. 

I demand the following accounts be verified or removed immediately from all three of the major credit reporting bureaus.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (MN)

This is what I am dealing with in cpi refund where my truck was repossessed and now wells fargo is saying no to outside arbitration. The two letters attached show you just what is going on in a way words could not tell. I am owed XXXX and there doing nothing but lying to me lying about facts and it has been from day 1.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I made a payment to XXXX on the basis that it would be for a real estate transaction. It was a XXXX  agreement between XXXX and the seller, XXXX XXXX XXXX. The address is XXXX XXXX XXXX in XXXX. I filled out the paperwork and sent a bank wire of {$38000.00} to XXXX on XX/XX/XXXX of this year that was said to be for the down payment, 6 months of reserves and some other things needed. I also received a promissary note for the note that stated that I would receive a note at 20 % in which I would receive {$640.00} a month and I would be paid in full as well as receive 30 % of the deal when XXXX XXXX  sells. That was in XX/XX/XXXX, it is XX/XX/XXXX, and I have received one debt payment in all this time. I was also told this would be a project that would take anywhere from 3-6 months ... and it has exceeded that timeframe. I also received a copy of the deed for the property, some loan forms etc. but I never received anything with the seller 's signature. But I can assure you that all forms that I am submitting came directly from XXXX  and you can check my email to prove so. So it has been about 6 months and there has been no updates or progress on the property. I have relatives in XXXX  that know the address, and they stated to me that there was obviously nothing being done to it, no rehab or anything. So out of curiosity, I XXXX  the address and find out that the property is being sold for {$45000.00} by XXXX XXXX. The realtor 's name is XXXX XXXX and she assured me that the seller, XXXX XXXX XXXX has NO idea about the XXXX agreement with XXXX and said she has a legally binding contract with him so only she could sell the property anyway. And according to the projections, the {$38000.00} I paid was to be used for the down payment on a {$120000.00} loan.

Why would anyone take out a {$120000.00} loan just to sell it for {$45000.00}? I have a warranty contract for the transaction with XXXX XXXX XXXX initials and signatures on it. I just showed it to XXXX XXXX  this morning to and she said that she didn't believe they were really XXXX XXXX XXXX. I have also enclosed the promissory note, in which it states that at anytime if obligations were not fulfilled, I can ask for the entire amount of the loan back ... .which is certainly what I '' m doing. I know the only signature on the note is mine, but the agreement was still made and I expect it to be fulfilled and be repaid IMMEDIATLEY. XXXX XXXX says that she will back up everything I have stated as far as the property and her dealings with it. Her email address is XXXX and her mobile number is ( XXXX ) XXXX. She can also get you XXXX XXXX XXXX contact information as well.

I have disputed this with Wells Fargo and XXXX, and I have seen no investigation done. I know there must be SOMETHING they can do in this situation ... .whether filing a report on my behalf, an investigation or whatever they can do.
Consumer complaint received 2017-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have both private and federal student loan accounts. Payments have been made on time every month, but Navient credits only one account rather than allocating the payments correctly to each. They then charge late fees for what they state is overdue payments. I have asked them to correct this problem every 2 to 3 months through the 2017 year by calling customer service. They have failed to correct the problem. Payments continue to be misallocated every month. I have attempted to email requests for corrections and the customer service address from which their late notices are generated is not a monitored account.