davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I took the forbearance with LOANCARE ( LoanCare, LLC., a ServiceLink Company and subsidiary of XXXX XXXX XXXX ) after the shutdown back in XXXX due to the COVID-19. After resuming work in XXXX, I paid back 3 months mortgage comprising of 2 payments for the forbearance and 1 for the ongoing month. After contacting LOANCARE XXXX XXXX XXXX, XX/XX/XXXX XXXX, VA, XXXX, to take me out the forbearance program and resume my auto-draft because I was back to work, LOANCARE went ahead and withdraw a month mortgage from my bank account even though I already paid. So I emailed them for reimbursement. They told me they will look into it. Until the end of XXXX, I have not heard back from LOANCARE. I called in again, and told them to use what LOANCARE owed for the incoming mortgage. We agreed on that until I receive a letter at the end of XXXX telling me that I was behind payment. I called back confused, LOANCARE told me that they sent me a check, therefore I need to pay them the same amount as they check they sent me. So I flatly told them that I could not pay them again until I received my check. 
Till today XX/XX/XXXX, I have not received any check ( {$2400.00} ), they are charging me fees, even though they promised not to do so till I receive my check. Since then, I called multiple times to hear excuses like " your check is delay by the post office due to the covid-19 '', " we are working on it ''. My wife and I are bombarded everyday with collection calls and all kind threaten ( credit report threat ) and stressful letters about losing my house from LOANCARE. My wife is stressed out, as she believes I'm the one at fault, as she can not understand any company will treat their customers like that. I've been trying to take advantage of the low rate since XXXX, but unfortunately they are keep me away from it, and I strongly believe that LOANCARE is trying to defraud me, because I expressly ask for the tracking number of the check they supposedly sent me since XXXX so I can trace it through the Post Office. LOANCARE told me they would forward it to me in 5 business day, later told me, that there was no tracking number. Normally, I will never do business with dubious " company '' like LOANCARE, unfortunately, they bought my mortgage.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Equifax place a hold on my account for Promotional reason, ( they could not explain what this was ). Because of this I could not open an account with XXXX to get new internet and tv service at my new address. I finally got this block cleared after over 4 hours of having to text and talk with the 3 credit bureaus, XXXX and the 3rd party company they are using to verify identity could not or would not tell me which credit bureau was doing the blocking. This has been very aggravating. Apparently there was no valid reason for the blocking. 
BTW : I am a XXXXXXXX XXXX
Consumer complaint received 2022-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

This company is sending threatening emails of Warrant for arrest in addition email contains all my personal information including my SSN, DOB This debt is from XXXX 2015 XXXX- The attached is a copy of the email- IT has formerly be 7 years. 
Texas and Federal Law Texas Constitution, Article 1, Section 18 This provision in the Texas Constitution ensures that no person shall ever be imprisoned for debt.

Texas Finance Code Chapter 392, Subchapter D These sections of Texas law outline deceptive, threatening, and abusive behavior that debt collectors and original creditors can not engage in. These behaviors include : falsely accusing you of a crime, using profane or obscene language, using a false name, misrepresenting that their communications are coming from an official government source.

Sections 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code Under the FDCPA, third-party debt collectors can not use profane or obscene language. They can not threaten you with violence or other criminal acts.

Section 1692e in Title 15 of the U.S. Code This section of the federal Fair Debt Collection Practices Act lists false or deceptive statements that a third-party debt collector is prohibited from using.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I obtained my credit report online and based on my findings there was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Consumer complaint received 2020-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hello, On XX/XX/XXXX we pre-paid for a rental car in XXXX. With everything happening from COVID19 we were not able to travel due to canceled flights and and XXXX closing its boarders. We contacted the company many times via email and on XX/XX/XXXX we were told it would take 4 weeks for the refund to post because the company cant send too many at one time. On XXXX, XXXX we contacted the company for an update and we received an automated response telling us they closed their doors and we needed to contact a third party for the refund. we did this twice but no response. I called to dispute the transaction with Capital One XX/XX/XXXX I gave all the information and I was told I do not need to send anymore documents. I also was sent a letter telling me the same thing. ON XX/XX/XXXX I was sent a letter telling me my case was closed so I called and the agent told me the company replied to the case and said the charge was valid. which is odd because the company is closed and in XXXX so you cant contact them other than Email. So on XX/XX/XXXX I contacted Capital One I asked to speak to a manager and she confirmed I was sent the wrong letter and given the wrong information which is not fair that all the wrong things and info was given and I am paying to the mistake. I was told I needed to load my proof to a link that the manager sent to me that night so I did. The same day with in a few hours I got a notice saying my claim is closed. My document were not even looked at. I was then sent a letter and notice telling me to write in and sign the document and attach my proof. 

This is unreal and not fair seeing how the wrong info was given, my documents were not reviewed after I sent them and the proof I was sent back was only a screen shot from the travel website saying no refunds. SO AGAIN MY EMAILS WERE NOT REVIEWED.
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX in 2015 gave me a loan modification they put {>= $1,000,000} or more into my balance they claimed it was for escrow missing payments home insurance some money to pay their lawyers and they claimed to people that was taking care of the house charges that they made up I started to make my monthly payments even that they gave me a payment I can afford 2 mounts into the new balance at this point they have made 2 loans one no interest no late fees no extra charges but my due date was the first of each month so it always looked like a late payment or missing payment 8 mounts ago XXXX XXXX XXXX sold my mortgage to XXXX XXXX and shellpoint mortgage services and since the first day this fraudulent company keep sending me a different amount Extra charges late fees and any other charges that XXXX XXXX XXXXXXXX couldn't charge I contact them and I asked them which mount I'm supposed to be behind but when I sent them the probe of that mount they keep saying it is another month they claimed is escrow but every year they adjust it if may home insurance go up or my taxes my payments started at the beginning of my new mounty Payne was {$1400.00} and this days I'm paying {$1600.00} and they say it is because the escrow they keep claiming I owed them
Consumer complaint received 2020-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (TX)

In late 2014, I was involuntarily transported to the hospital against my will by 2 police officers. I was not under arrest, and I was not committing a crime. I did not threaten to harm or injure myself. When I was dropped off at the hospital, I did not receive any medical attention, or even check in at the front desk. I walked home after being dropped off. I never received a bill for this " ride '' to the hospital, and had no knowledge of the debt until it showed up on my credit report. This is a fraud charge for a service that I did not ask for or need, but was forced onto me by officers who took advantage of their authority. I was not charged with a crime, as I was not, and did not commit one. I was a victim of police misconduct, and now I am the victim of the health system.
Consumer complaint received 2020-07-18
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. (FL)

id theft victim. account that was charged off is not my account. already removed from XXXX  and XXXX. 
XXXX  for {$3600.00} is not mine XXXX XXXX  XXXX {$1900.00} not mine
Consumer complaint received 2020-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

We enrolled into XXXX XXXX XXXX  in XXXX. They told us we did NOT need to make XXXX payments to our credit card companies since they were deducting the amount on XX/XX/20. Now my credit report is showing 30 days past due in XXXX XXXX and XXXX for XXXX missed payment. Had I been properly informed that this would report as late on my credit report I would have made the payment on time. I have never paid anything late and this is very bothersome to me. My account is current.
Consumer complaint received 2021-01-19
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.
Consumer complaint received 2020-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days  before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to Capital one for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I had an XXXX  account cc from Comenity Bank. I had paid that monthly bill in multiple payments. Always on time and even extra. The due date was on the XXXX. On XX/XX/XXXX, the store site was down to pay. But eventually it worked. Ib this day I also made the full amount payment. Over 300 dollars to finish it off. Then, a month later I get a bill for XXXX dollars 2 late charges. Even if they want to accuse me of being late once, that's XXXX, but i got charged another late fee for a late fee? And the whole bill is paid off. This bank is despicable. I closed that cc after this. 

They have We Help During this Pandemic all over the place. Unbelievable to rip off customers like this. My credit is good.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

EQUIFAX furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, EQUIFAX claims that XXXX XXXX is the source of bankruptcy information although XXXX XXXX does not include a bankruptcy. With that said, EQUIFAX has neglected to assure the accuracy of the consumer report they've furnished in my name pursuant15 USC 1681e ( b ). As a result, EQUIFAX is civilly liable for these violations.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (CA)

CACI/Consumer Adjustment Company Inc is a debt buyer that just showed up on my credit reports on XX/XX/XXXX. CACI claims to have opened an accoubt with me on XX/XX/XXXX per my credit reports. They are trying to collect money for XXXX XXXX XXXX  which was a company that I've already paid off and as well they are a part of the XXXX XXXX settlement that I received money from for their illegal lending practices. I paid my loan odf within weeks of opening it for {$1000.00}. CACI is not only attempting to collect on a loan that was already paid but has also violated the Fair Debt Collection Practice Act by adding more money to a paid off loan. CACI is claiming that I owe CACI {$1500.00}. I will now quote the CFPB 's findings : " XXXX  XXXX  engaged in unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act in connection with the illegal collection of loans that were void in whole or in part under state laws governing interest rate caps, the licensing of lenders, or both. 

The Bureaus first amended complaint, filed in the U.S. District Court for the District of XXXX  in XXXX, alleged that the XXXX XXXX XXXX operated as a common enterprise that affiliated with tribal lenders in the offering and collection of online installment loans and online lines of credit to consumers nationwide. The XXXX  XXXX XXXX, the Bureau alleged, made deceptive demands and illegally took money from consumers bank accounts for debts that consumers did not actually owe because the loans were either partially or completely void under the law of 17 states. The Bureau also alleged that the XXXX XXXX XXXX provided substantial assistance to two debt collection companies that were also engaged in the illegal collection of loans. '' CACI is in violation of the Fair Debt Collection Practices Act in a number of ways. One reason is that CACI has never written me nor contacted me by postal mail as required by the Fair Debt Collection Practice Act. I am considering pursuing litigation as this company is attempting to collect money on a debt that was already paid off, for defamation as this company is reporting falsely on my credit report, and is in violation ofthe Fair Debt Collection Practices Act, 15 U.S.C. 1692 by : 1. Failing to provide a written  notice 2. Adding unauthorized collections and XXXX. Attempting to collect a debt that is not owed. I have attached proof of payment and removal of my XXXX XXXX XXXX account. As well, I am requesting that the CFPB add CACI for further investigation into the XXXX XXXX complaint.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo retirement acct transfer to XXXX in XX/XX/2020. 
I retired at that time and they deducted over {$2000.00}. for the transfer. 
I tried to talk to them and they couldnt support their rationale for such a XXXX  against my retirement monies! 
But I couldnt get them to make it right!! 
Please help since obviously they have practices that are very sketchy! 

Thank you
Consumer complaint received 2020-07-17
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. (GA)

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a  notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF ED/XXXX XXXX not mine/inaccurate DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine/inaccurate DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.