davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: On-Site Manager, Inc. (WA)

XXXX   XXXX   XXXX  was evicted by  XXXX  properties in  XXXX . In  XXXX ,  XXXX  's attorney and I reached an agreed order for limited dissemination pursuant to RCW 59.18.367. The order says " tenant screening providers are prohibited from disclosing the existence of this unlawful detainer action in any tenant screening report... " Ms.  XXXX  is living in her car with her  XXXX  minor children because each and every time she applies for a tenancy the report comes back detailing this eviction.     To make matters worse, I can not add her to this complaint as an additional person to send information to because she is homeless.
Consumer complaint received 2017-01-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (FL)

As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. I have not done any business with ERC and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (OK)

For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. 

In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.
Consumer complaint received 2016-07-09
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (AZ)

I had several payday loans from different companies and for the same amount of money as Big Picture. Those loans got paid off. Big Picture/Castle kept going and going. Then XXXX day they texted me that my payment was sent back from the bank. I called back to try and get this solved. They said the text said it was turned to collections. I panicked, the text did not say that. I began to feel something was wrong so I notified the XXXX and filled out a report. In the mean time, they repeatedly call be on my landline and cell phone day and night, every day. They call and then hang up.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC. (GA)

Guaranteed Rate Mortgage Company has blocked my request for application to remove PMI from my mortgage loan. They have also not made payment from escrow to pay for my property flood insurance. I have included a dated paper trail of my request. I emailed on XXXX requesting PMI removal from my loan due to its increased value above the 75 % LTV thresh hold. I included both a pre and post renovation and improvement appraisal showing the home was worth XXXX and is now valued at XXXX. The mortgage note was 3 % down on a purchase price of XXXX. My current note payoff is approx XXXX. My calculations put my current LTV at XXXX = 64 %. Guaranteed rate responded twice with the only option of requesting an appraisal at cost, and paying off the original note at current cost and pay them XXXX dollars. I then completed a final request on XXXX which stated that my request to remove PMI should be based on current LTV, and that I requested the 2 year seasoning waiver which is allowed per HUD rules for significant property renovation or improvement. I have heard no response from Guaranteed rate and I would like to report them for deceptive banking and blocking my request for PMI removal. 

The second issue I am having with the bank is that they have not paid my flood insurance out of my escrow account. I received a letter on XXXX from GR stating that they had no proof I had flood insurance, and that they were obtaining insurance at my cost on their behalf. THEY PAY MY INSURANCE THRU ESCROW!!!!. I contacted my insurance agent promptly and had her verify that GR was named on the policy. She has requested by fax, and phone, payment for this flood policy. It is now XXXX and they have still not made payment. This is absolutely unacceptable behavior. My insurance payments should be made promptly by my mortgage holder who is responsible for escrow payments. 

I do n't know if the XXXX issues are related, but I request that this Mortgage company be investigated for these issues.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (IL)

When making a purchase using the card, I was promised 48 months to pay the balance at a 9.99 % APR. The first statement I received indicates that I was given 12 months at 0 %.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

In XXXX of XXXX, I received an escrow reimbursement check from LoanCare because they said we had an overage in our escrow account. I called them and explained that they needed the money in my escrow account to pay my summer taxes and sent the funds back to them to deposit into my escrow account. When I received my XXXX year end statement from LoanCare, I realized that they never paid my summer taxes from my escrow account. I called on XXXX XXXX, XXXX to ask them why and they said that the issue would be resolved by XXXX XXXX and that someone would call me by then to let me know. When I had n't heard anything by XXXX XXXX, I called again. I was told that the claim was never submitted and that they would send it to their tax department and have it expedited. They said it would be resolved by XXXX XXXX and that someone would call me. When I did n't hear from anyone by XXXX XXXX, I called back again and explained my situation again. I was told they would send it to the tax department and have it expedited. I reiterated that they were the third person to tell me this and asked how I would know that it was going to get resolved. They apologized and PROMISED to call me by XXXX XXXX and that it WOULD be resolved by then. By XXXX XXXX I had n't heard anything and called back for the fourth time. I was given the same story and I then asked to speak with a supervisor. I was told that the supervisor XXXX XXXX would call me within the next 24-48 hours. It has now been almost three days and no one has called me. Six days ago, I requested an advocate through LoanCare 's website to help me get this issue resolved but have not heard from anyone.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (OR)

Called me on a XXXX debt I 'm not even sure exists, although I did have an account there at the time. Then when I mentioned the statute of limitations in Oregon, XXXX in the litigation department claimed that overdraft fees to a federal bank are n't protected by state statute of limitations. I got payment plans and called back after talking to my wife and looking online. They said their company name was XXXX. I asked them for their address and they refused, they also contacted me from numerous phone numbers from different areas in the United States. So I told them to stop calling or we would talk to a lawyer for unfair practices.
Consumer complaint received 2017-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

We are asking for your help! My husband and I recently purchased our first home in XX/XX/XXXX. Our servicing companies have changed several times but currently transferred to LoanCare LLC in XX/XX/2016. We made our initial XX/XX/XXXX payment to Loancare, but our XX/XX/XXXX payment was returned due to NSF, ( the payment took up to 5 days to clear the bank so other auto-pay transactions caused payment to be returned ). When we realized the XX/XX/XXXX payment was not successful, a double payment was made by phone to the institution to cover XX/XX/XXXX and XX/XX/XXXX 's payment ( payment in the amount of {$2300.00} which cleared the bank on XX/XX/XXXX ). A few weeks later, I receive a letter stating my XX/XX/XXXX 's payment is still outstanding. I contacted Loancare LLC, only to speak to several representatives that could barely provide a general account of what happened on our loan. I was inform that the NSF payment caused the issue and only one payment posted. I informed the rep, that if I made a payment to cover two payments how can a portion of the payment apply to XX/XX/XXXX 's installment and XX/XX/XXXX 's payment is unaccounted for? The rep could not explain this and only informed the one payment processed. Needless to say, this has been going on for over two weeks now. They have asked for several screenshots, transaction/bank statements. Each time we send, they request something else. The documentation from our banking institution showing the payment CLEARED and STILL no resolve! Each time we speak to someone, we get the same story, " the cashiering department is working to resolve your request, contact us back tomorrow. '' This company is so incompetent and has no real system in place to assist customers to resolve escalated issues. We have to get out of character just to escalate the call to a supervisor ( which they never call you back )! I have read so many horrible stories about this company with the BBB as well as other consumer review sites. We as consumers are at the mercy of the lenders and have zero input on who our servicing rights are sold to. I am just saddened that we had to end up with LoanCare LLC.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

Several months ago, I was notified that my credit score had been negatively impacted due to a collection filing. My credit score normally hovers around 830-850. 
Upon investigation, the collection account was for an XXXX & XXXX debt in the amount of {$1200.00}. I have no business with XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to advise them that this is not my debt. Upon discussion with XXXX XXXX XXXX, they said that someone purchased a phone through credit and then never made any payments. Clearly, this was some sort of scam and XXXX XXXX XXXX was victimized. 

We agreed that the account was : 1 ) not set up in my name, but in the name of XXXX XXXX, 2 ) the social security numbers did not match and 3 ) the street addresses did not match.

They agreed to release the collection and move on. I followed up with all three credit agencies and the collection has been removed. 

Last week, I received a debt collection notice on behalf of XXXX XXXX XXXX from ERC. It seems they now have my address, which I gave to them on the phone when I originally called to prove they had the wrong " XXXX. '' I will restate the following : 1 ) I am not XXXX XXXX and have never been XXXX XXXX ; 2 ) I do not know who this person is ; 3 ) The XXXX & XXXX account and collection letter is in the name of XXXX XXXX, who is not me ; XXXX ) XXXX XXXX has never lived at my current or prior addresses ( I have lived at my current address for 23 years ) and 4 ) none of the other identifying factors match to me. 

I have spent a great deal of time already on this issue. I do not know how to get AT & T to cease and desist contacting me directly or indirectly through collection agencies. 

This is not my debt. I am not this person. Your help in resolving this issue would be greatly appreciated. It is threatening, stressful and time consuming to me. Thank you.
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (FL)

Correspondence dated XXXX XXXX, 2016 documents an attempt to collect {$440.00} which they state is owed to PayPal. A telephone conversation with a PayPal representative indicated that my PayPal account balance this morning is {$0.00}.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. 
The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : XXXX XXXX
Consumer complaint received 2016-01-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

Someone used my paypal account and linked XXXX XXXX checking account to make XXXX transactions NOT authorized by me. XXXX happened on XXXX for {$220.00} from code XXXX and XXXX on XXXX for {$210.00} from XXXX ( notes saying code XXXX ). Paypal was able to refund the first but closed the second with nothing found.I changed passwords since then, today, on getting the resolution, I was again not able to log into paypal and had to reset passwords again. 
Simple XXXX search for XXXX " site may be hacked ''. This looks like a broad issue, where someone tried and was able to move the money outside US and now paypal is not helping looking into issue. I dont have any way to disconnect my bank from paypal and paypal allows people to pull money from bank instead of CC even my setting is to use CC first. 
This is unauthorized and I dont even know these people/firm/company or ordered anything from them. I need help to resolve and get my money back.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

Paypal Credit is requesting a high minimum payment, well over XXXX, I do not have exact amount available to me. They refuse to lower amount, will not work it out. They claim they have offered a payment arrangement but have not received any such offer. Even so, an arrangement does not lower the payment amount due, rather sets up future payments, does not waive any fees related to over limit/past due balance. Calls have been made, which they conveniently have no record of, to lower payment amount. The calls is transfered to collections who are more interested in just getting any kind of payment rather than lowering amount due. Its a shame they are not more cooperative as they will need to lower payment amount due if they wish to see any kind of payment at all. I understand they have referred account to a collection agency, this also applies to them as well.
Consumer complaint received 2017-02-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Curo Inc. (CA)

Cash Plus XXXX XXXX XXXX XXXX XXXX, CA. I received a loan In XXXX XXXX in which I was not able to pay back due to financial difficulties. Once the check returned I received non stop calls/ emails and phone calls to my job. I did ask them to please stop calling due to my financial status. My references continued to get detailed calls from them as well as my work place. on XXXX/XXXX/XXXX I received calls from XXXX giving me a case number and asking if I had an attorney available and that I had 48 hours to pay or get sued. He also called my work place and references saying I was a person of interest and they needed to describe me and give them any information they had on me. When I spoke to XXXX again he stated that i wrote " worthless check '' and there was nothing I can do to stop him from continuing this lawsuit. I asked him to no longer contact me or my work number since I can get fired and right after he hung up on me he called my references again and went into more detail about how he is going to sue me withing 48 hours. 
I then again called XXXX at XXXX XXXX XXXX XXXX and asked for a corporate number and he stated he was corporate, When I asked for the number to the XXXX and he hung up the call. I am unable to reason with this person and no one else can help me.
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying XXXX of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.
Consumer complaint received 2016-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CT)

Us Bank Home Mortgage did not pay the real estate taxes due on XXXX/XXXX/16. Today is XXXX/XXXX/16. Therefore we still do not have the XXXX to file on our taxes. I am not sure if this affects our credit.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (MD)

I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

I placed a dispute for validationof accounts in XXXX of 2017 For the tradelines showing on my credit report of XXXX and XXXX accounts of XXXX. These accounts were not validated therefore were removed frm my credit report. I received notice that between XX/XX/2017 and XX/XX/2017 that the tradelines of XXXX were removed from my credit report. also received notice that XXXX XXXX TRADELINES WERE REMOVED FROM MY REPORT. However after checking my credit report Equifax placed these tradelines back on my credit report without giving me notice or without them receiving a letter of reinsertion from the creditors.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax is reporting a judgment on my credit file and it is not mine. And to top it all the date is incorrect. They have the date at XX/XX/XXXX and then in XXXX when I disputed this they changed the date on XXXX XXXX to XX/XX/XXXX and then it just got changed back to XX/XX/XXXX. It is unverifiable and they have not verified this as I requested for the past 3 months. So I am asking to have it removed per the FCRA and they wont. This is not fair that they can do this.