davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

I wrote to Caine & Weiner on XX/XX/XXXX of 2020, notifying them that I am disputing the debt they are trying to collect. I requested in writing that they verify the debt as required by the Fair Debt Collection Practices Act, and that they do not contact me about this debt aside from verifying the debt. The company has not verified the debt, and has not desisted contacting me and other members of my organization about the debt.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (MN)

1. First issue is with XXXX XXXX XXXX. I accepted an offer to close my account if I agreed to pay the balance less late fees within 60 days. This agreement would require them to not report any derogatory remarks on my credit report unless I didn't pay the amount due in full within 60 days. They closed the account, and reported it with late fees, still. 
2. Barclays card credit card. Initially opened for use by our organization. I was added on as an authorized user. However, the account owner refused to give us any access to these accounts and we were unable to verify that the monthly minimums were being paid timely. The account owner acted as if the physical cards were misplaced but we later learned from the credit card company that he had closed the accounts. The credit limits on the accounts was not maxed out, best to our knowledge. The card is now on my personal credit report as closed and delinquent. This is incorrect because I was added as an authorized user not the guarantor. I need to get this derogatory remark canceled.
Consumer complaint received 2016-05-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery continues to report a debt on my credit report that does not belong to me. They are calling and harassing me to to pay or settle an account that does not have my social security number and that belongs to a business called XXXX XXXX. I have never given XXXX XXXX expressed or written permission to establish credit with my social security number. I have written the credit bureaus and the creditor numerous times to remove this erroneous information from my credit report and to validate this account or to cease and desist from collection activities. I have yet to receive any validation and both Portfolio Recovery and the credit bureaus refuse to take any corrective action.
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

The Collection Agencies are Inaccurately Reporting Closed ( Charged Off Accounts from a year ago ) as Open and Late every month. I do not have any payment agreement with the Collection Agencies so they can not report a payment as missed or late. I did not open any accounts with the Collections Agencies. XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Please delete their payment history as they are not late every month. These accounts were closed long time ago.
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (FL)

I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (AL)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2016-10-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I bought a car back in XX/XX/2016 at XXXX XXXX, I was told that the term was for 72 months starting XX/XX/2016 at a rate of 4.99 % I financed {$15000.00} and my payment would be {$250.00}. However as I was making my payment today I noticed my term set with capital one auto was 73 months. This is suppose to be a fixed rate loan but the interest I 'm being charged fluctuates month to month which does n't makes sense. So I spoke to XXXX a representative and she told me they calculate the interest as simple interest payments which was never told to me so over the course of the loan since XX/XX/XXXX I 've paid {$460.00} year to date. When I calculated my payments {$15000.00} with a interest rate of 4.99 % = total cost of car loan {$18000.00} over 72 months would be a monthly payment {$250.00}. So that means my interest charge should be {$2500.00}. On my contract they have interest charges as {$2500.00}. This to me is cheating me out of my money on interest and penalizing me for paying my car payments early As it seams they are trying to collect their interest within the first 2 years of the loan. So if I ever refinance their interest would have already been paid but my principal would have hardly moved making me pay more interest on principal with another lender if I 'm not so lucky to get another loan with a lower rate. My credit score is n't even terrible so not sure why my rate was so high to begin with they claimed cause it 's a used car.
Consumer complaint received 2016-03-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Google Compare Credit Cards Inc. (CT)

I attempted to dispute a charge, XXXX from XXXX of XXXX on XX/XX/XXXX, the transaction id is XXXX. However, the rep ( s ) I spoke to did not understand which transaction and reason for dispute. The first rep I spoke with insisted the transaction in question is a XXXX funds transfer on XX/XX/XXXX, a day prior, which it is not. Again, the correct transaction is noted above. The charge is a deposit on a vehicle, which I attempted to cancel. However, the dealership refused and stated deposit is not refundable. They refuse even when vehicle has not been delivered and an option on the car is incorrect. Also note, the payment amount for financing is not what was agreed to. This was explained to a second rep I spoke to, I had to call back after dealing with first rep who would not cooperate. However, I do not know if dispute was filed or not as I have no email confirmation of anything of that sort.
Consumer complaint received 2015-09-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ADR ARBITRATION SERVICES (Closed) (TX)

They Keep HARASSING me using fake numbers from the XXXX XXXX assistance hotline. They will call saying that they were going to serve me papers and come put me in jail over a payday loan. They even went as far as threatening to come up to my job if i dont abide by they 're rules and " Laws '' that they have. Lied saying that i commited bank fraud when i simply had to change debt card 's due to unauthorized activity on my account.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this message grabs your attention. I've been trying to address the issue of fraudulent accounts repeatedly, but unfortunately, I haven't received any action from your end. 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, and XXXX XXXX if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Consumer complaint received 2016-06-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AL)

This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by XXXX companies, the original company SYNCB/SMRTCN ( XXXX also called GECR PAYPALSMARTCONN ) and the company they sold/transferred it to XXXX. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While the XXXX list this debt as XXXX See any similarities? 
PayPal SYNCB/SMRTCN List this as a closed debt while XXXX list it as an active account. 
2. This account was closed by PayPal SYNCB/SMRTCN after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I have sent multiple messages and called numerous times ( long wait times ) informing MOHELA that my monthly count should be at 120 payments if not more. I have currently been stuck at 69 payments according to Mohelas website for 2 years now. This information is inaccurate as I have been a public service employee, working at the same employer for over 20 years. My hired date at XXXX XXXX XXXX was since XX/XX/2002 and this has been my only employer since. Every time I contacted MOHELA in the past they tell me it will take up to 90 days to see my counts update, well we are now over 2 years and my count has not updated. Please someone investigate this matter to accurately reflect my counts and my loan forgiveness. I think it is unfair that my payments are resuming when I should already have had my loans forgiven.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Management Group, Inc. (GA) (GA)

I have no idea where this debt came from. The collection agency has not mailed me enough information to verify that the debt belongs to me even though I mailed them a certified request. They only mailed me a letter giving me the name of the hospital and amount. They refuse to provide me legitimate proof that this is my bill such as the services provided, the date of service or my signature. I also never given a chance to dispute the debt. I never received letter or phone calls in reference to this debt.
Consumer complaint received 2020-11-02
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. (NY)

I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and TransUnion in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is XXXX XXXX reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Public Service Loan Forgiveness -- Refund Owed for Overpayment beyond the 120 qualifying payments My loans were forgiven on XX/XX/XXXX. The account showed XXXX qualifying payments. I paid from XX/XX/XXXX ( while employed for qualifying employer for over 20 years ) until XX/XX/XXXX. There were XXXX excess payments. XXXX of which were actual payments made beyond my forgiveness date of XX/XX/XXXX. I have all the payment information for Mohela showing all amounts paid each month from XXXX until XXXX.I should received a refund for more that {$6000.00}. My letter from Mohela shows full forgiveness for all loans ( XXXX XXXX ) but no credit for the overpayment.This was a mistake. I called Mohela several times and spoke to someone and they said that they could not help me. They referred me to Department of Education. I waited on hold for over 2 hours. It finally disconnected. I have tried the Ombudsman and not heard back.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC (NY)

XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc (GA)

I saw that the company placed a collection on my credit report. I called on Monday,   XXXX   XXXX   XXXX     and requested that it be removed from my credit report as it has already been filed under my bankruptcy and they have not done so. I called again today and nothing was handled. This is the company  WIlliam and Fudge Inc.
Consumer complaint received 2022-02-12
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. (GA)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Bonial & Associates, P.C (CA)

XXXX hired a retired wallstreet banker and attorney, along with XXXX, and a hand writing expert that determined XXXX did not receive a mortgage, but signed a fraudulently presented security. The Hand writing expert determined that a Corporate Assignment of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and no longer is notary. XXXX have been involved in litigation on this matter and have determined for last 8-9 years XXXX of XXXX has been practicing law from the bench a high misdemeanor. Also no 700 form or Judiciary Bond are on file as required for this Superior Court Judge. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX., AND XXXX, XXXX, AND XXXX. WERE all put into a government conservator-ship. This process was set up from the XXXX. and XXXX. Using XXXX ( XXXX ). and XXXX. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of RICO fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since 2004 has happened with the government knowledgeable since the fraudulent entities filed 15D forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then XXXX year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from XXXX.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

Good day. On XX/XX/2018 I made a purchase for {$10000.00}. I was paying off the credit card interest free. I was never late and never missed a payment. The last bill for the balance of {$560.00} I paid by the due date. Unfortunately, in XXXX I got sick with XXXX and was immobile for 3 weeks. Comenity credit card completely ignored all my cries for help and understanding. They ruthlessly slapped with with almost 30 percent interest from day 1. I keep calling them and telling them that credit card companies offer relief and help during hard financial times but they being completely ignorant. 
I was never late. I dont have any balance on any of my credit cards. My husband was sick with XXXX XXXX. I was sick with XXXX and my father is still sick with XXXX XXXX. I am dealing with a lot of stress and they are trying to collect from me money that I do not owe. I paid off everything and do not owe anything. Comenity reported late payment to the credit bureau as well. They are ruining my excellent credit. 
Please, ask them to dismiss the ridiculous interest charge from day 1. 
Account number : XXXX Address : Comenity Capital Bank XXXX. XXXX  XXXX XXXX, Ohio XXXX Thank you.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Ditech ( they are really still Greentree, XXXX rebranding should not work! ) has not sent me confirmation of my XX/XX/XXXX payment, sent XXXX/XXXX/16 via my Bank 's Bill Pay System. I made this payment early since I knew Ditech is " upgrading '' their website starting XX/XX/XXXX ; it will be down until XXXX XXXX! I have no way of knowing if Ditech got this payment, and they do not respond to emails.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

U.S Postal Certified Mail No : XXXX GA XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. PA XXXXXXXX, 2015RE : XXXX- REQUEST FOR PROOF OF CLAIMAccount # - XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Georgia Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Consumer complaint received 2016-03-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Modification states Deferred Principal of {$31000.00} will be Cancelled Debt in XXXX over a period of time. However Select Portfolio sent a XXXX for the full amount of {$31000.00} for 2015 and thus we reported on taxes and all IRS docs full amount of Cancelled Debt for 2015 from Select Portfolio is {$31000.00}. 
Select Portfolio Monthly Statements still reflect only XXXX has been cancelled. Leaving a balance of {$21000.00}, which is incorrect as IT HAS BEEN CANCELLED as a part of the {$31000.00} as reflected on the 2015 XXXX. Select Portfolio states that is simply how they do it. I said it should NOT be on a statement as owing at all it has been cancelled via the XXXX. They said there 's nothing they can do. How can we owe something that has been cancelled? How can they filed an IRS doc stating it is Cancelled debt and not Cancel it on our account in full?