davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (PA)

Kingston Data and Credit has flagged my collections for {$300.00}. I have no knowledge of this debt or where it comes from. I never gave Kingston Data and Credit my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt. Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.
Consumer complaint received 2022-02-15
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: CITIBANK, N.A. (OR)

On XX/XX/21, I have returned 5 items to XXXX store in XXXX, OR IN PERSON. 
The merchant issued me a total refund of {$350.00} ( I have now both proofs : merchant copy and the my copy of this return/refund ) to be credited back to my XXXX Citi bank XXXX XXXX credit card. This refund has never been credited back to my account by Citi bank. Instead, Citi bank started a dispute which they later rejected. The money was never credited back. 
Now the dispute has been closed, the decisioncannot be appealed, the billing support phone line for citi bank is non-functional.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WV)

I have had an account with Macy 's since XX/XX/XXXX. I retired XX/XX/XXXX at which time I contacted all of my creditors andexplained my due would have to change. I was told it wastaken care of. I have not used the card a lot, but what I haveUsed it, I have made monthly payments. I noticed last monthI could not access my account. Not thinking anything about itI made a payment, but when it happened again, I contacted Macy'slast night. I was transferred twice and was on hold for 30 minuteswith no answer. This morning I finally spoke with customer servicetwice and found out I had been charged numerous latecharges and interest. I was also told they had XXXX of my moneyin a credit account. 
My question is : why was my due date not changed? Why was I notcontacted by mail at the deliquincy of my account? I wastold I owed Macy 's {$290.00} and some odd cents. She put meOn hold and came back and told me they took the {$80.00} credit, applied it to my bill, took off XXXX late charge and XXXX interest charge! 
My balance was {$170.00}!! Who makes that decision on howmuch you are charged?? 
I think this is unfair and fraud due to the fact I wasNEVER contacted by Macy 's!!! But, she told me they wouldsend me my bill via US mail. 
I always pay my bills and have great credit. I DO NOT want thisto go against my credit report and I want the late charges and interestcharges refunded to me. I am still in awe of a company as large asMacy 's allowed to do this to their customers. My account is now closed. 
I would appreciate your prompt attention to this matter.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Hello there, I just received a message from PayPal telling me the reasons why they are closing my paypal account and I got this to tell them : On the informations I provided to them, I told them that the account : XXXX is used by my mother XXXX XXXX and I still live with her. About the chargeback, I sent her money using my paypal MasterCard. A few days after I sent her the money, I saw that on my credit card it was saying I paid for a service to XXXX XXXX and I got confused so I told to The Credit card departmemt to look for the person. It was until my mom log on her account and found out that her PayPal is negative, that I noticed she might be XXXX XXXX. The reason I asked the credit card company to report the transaction is because I didnt know who XXXX XXXX was and it didnt show up on the credit card that I sent money to my mom ( XXXX ). As soon as I noticed that I immediately called the credit company and told them to cancel the fraudulent activity and send the money back to my mom. You can ask people from XXXX XXXX they will told you what I just said. 

PayPal is going to close my account and thats unfair. Ive never have any issue with PayPal in the past and theyre trying to close my account just because of a misunderstanding?
Consumer complaint received 2015-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX is trying to collect {$250.00} from me for utility services provided at XXXX XXXX XXXX XXXX in XXXX, MA ( account # XXXX ). This account and this service is not mine ; I can only presume an account was opened under my name and SSN and this is a case of identity theft. 

XXXX XXXX sent the above amount due to collection agency Transworld Systems , Inc ( account # XXXX ). I first become aware of the problem in 2014 when I began receiving invoices from Transworld. 

Both XXXX XXXX and Transworld have been notified of the problem. A police report of identity theft has been filed with the XXXX Police Department ( report # XXXX ).
Consumer complaint received 2016-09-25
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank of California charged my checking account {$500.00} without my knowledge or authorization. At the time Wells Fargo called their payday loans a " direct deposit advance '' which they know longer have that program due to consumer complaints. My checking account was put into overdrawn status, with overdraft fees instituted monthly, {$35.00} each month until they closed my account without my knowledge or authorization. Now that " direct deposit advance '' is more than double the original {$500.00}. I can not open another bank account, and have a strike on my credit reports. I can not get Wells Fargo to rectify the situation. I banked with them for almost ten years before this with no overdrafts. The first payday loan occurred in XXXX with renewals up until XXXX. Numerous checking and savings accounts were also opened without my permission.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

I have a mortgage loan with Ocwen Loan Servicing , LLC . On or about XXXX XXXX, 2014 I sent a check to OCWEN. The payment, sent in the form of a check by XXXX XXXX XXXX XXXX 's ( " XXXX '' ) bill pay provider ( XXXX ), has never been applied toward XXXX XXXX 's account. However, the check cleared on XXXX XXXX, 2014. I fear that Ocwen is posting derogatory information to my credit reports and that Ocwen will erroneously begin foreclosure proceedings based on their failure to properly credit account.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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
Consumer complaint received 2018-03-19
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. (OH)

My loan was transferred to XXXX XXXX in XX/XX/XXXX from XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (LA)

Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My loan was transferred to XXXX XXXX in XX/XX/XXXXfrom XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. 

I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

this dispute was put in to exsperian and the othe XXXX credit reporting agencies and they keep associating me with other people of the same name and reporting wrong information on my report XXXX XXXX XXXX in XXXX nj and a judgment against me that does not belong to me i have called and spoke with them .I have never lived at this address and the information that they are reporting doesnt belong to me and they wont remove it.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I went to XXXX to get my free report. Both Experian and XXXX noted that I had to print out a form and mail in my request. Further, I have to provide copies of XXXX separate documents "for my security". Mailing, in my opinion, is less secure than an encrypted internet connection. Could they make it any more difficult to get my credit report? This reeks of the ratings agencies, once again, making it as difficult as possible for consumers.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: DriveTime (IN)

I'm a victim of identity theft and the individuals who have stolen my info continue to apply for car loans and leases through DriveTime. I've called numerous times to try to get the accounts taken down and get a written copy of the information used to apply for the vehicles, as is my legal right under the FCRA. They continue to refuse and gaslight me. I'm now seeking legal action against them for withholding my information without cause.
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ) XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2016-11-29
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: D2 Management LLC (MO)

The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I had submitted a complaint : Case number : XXXX regarding XXXX XXXX XXXX Account number XXXX. Equifax responded " Equifax has reviewed the complaint and its records. The disputed XXXX XXXX XXXX Account number XXXX account is currently not reporting on the credit file. Written confirmation was mailed on XXXX/XXXX/15. " A review of my Equifax credit report on XXXX/XXXX/2015 reveals that Equifax continues to report this account with payment history of " Unknown XXXX XXXX Days Late ''
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I had a FHA loan with a mortgage company who had set up an Escrow account for insurance and property taxes. Property tax was due for payment but the loan servicer did not pay it despite enough funds being in the escrow account resulting in penalty of {$160.00}. 
After the tax due date I had refinanced my mortgage and had to pay the penalty. I wrote and requested the Servicer for a refund but they denied saying that it was my responsibility and that nothing can be done as the account with them was closed.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MD)

XX/XX/XXXX The National Credit Adjusters placed a opened account of XXXX dollars On my credit making made a derogatory mark on my credit history. During that time I received no notice during that time and was not aware it was on my credit until XXXX at that time I attempted to contact the agency and was unsuccessful, Ive attempted to dispute it with XXXX  XXXX  but the account has still reported derogatory remarks on my credit. It has been over six years that this has been on my credit report. Ive never received a letter, a call or any communication about this debt to begin with
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I settled my Brandsmart Card Account with XXXX XXXX XXXX. The XXXX at the time was {$3000.00} and we settled at {$1200.00} over XXXX monthly payments of {$50.00}. We sent payments monthly from XX/XX/XXXX all the way through XX/XX/XXXX and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the account.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (MI)

I currently have debt collectors contacting me about about an XXXX XXXX XXXX bill that has already been paid off. 

XXXX XXXX has confirmed that I have paid off my debt over 5 times now and they have said that the debt collectors were already contacted. 

We should have never had debt collectors come after us to begin with for we are on an agreed upon payment plan. We were told over six times that the debt collection agency did not exist or that the issue has been resolved. But the debt collector kept harassing us no matter what we tried. We were never warned or notified and have even tried to correct the issue since XXXXXXXX XXXX 

We decided to just pay off the account late XXXX because they keep lying. But the debt collector is still after us for a bill that has already been paid off. We have contacted XXXX XXXX several times and they keep saying that the account balance is XXXX 

My wife and I are scared for they will not stop trying to hurt us. Pleases help, we are desperate. 

We feel they are traveling us because my wife is XXXX and they are refusing to help us because of discrimination against us. 

XXXX XXXX XXXX is refusing to send physical evidence of anything. Including bills and recipts. 

We have given Frost-Arnett evidence that the debt was paid off and have asked to not be contacted by them anymore. They are still telling us we owe money when The date we paid off all remaining balances with XXXX XXXX XXXX XXXX XXXX 

Please, we are becoming stressed and sick because of the harassment. I have already had to go to the XXXX  because of this. The stress is making us sick and we are scared they are going to hurt us. 

They keep lying and lying and lying. 

Please help. 

Please help. 

Please.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (AR)

I am writing in response to your recent communication regarding an alleged debt associated with my name. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : Verification of the debt amount and its origin. 
Documentation demonstrating that I provided consent or agreed to the collection of this debt by your agency.
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. (CA)

The XXXX company should not have reported a late payment on my account, that was their error and I have been trying to resolve it for months. They should not be reporting this whatsoever and it's annoying that it's still on my credit report, still.