davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (NJ)

On XX/XX/XXXX I signed up with XXXX XXXX XXXX in XXXX XXXX, NJ near my home ( XXXX XXXX ), due to being a XXXX XXXX for the City of XXXX XXXX, this location was convenient for me. 

I signed up with the XXXX XXXX in a contractual agreement for a monthly payment of {$31.00} during the pandemic. The contract was very specific indicating that : { If the XXXX 's facility is closed for a period longer than 30 days through no fault of the Member, the Member is entitled to either extend the contract for a period equal to that during which the facility is closed or to receive a prorated refund of the amount paid by the Member under the contract. } This particular location was officially closed for good on XX/XX/XXXX without prior notice to its members. 

The company never reached out as stated in the contractual agreement via phone, text, email, nor US mail that I agreed to receive if major changes was to effect this agreement. 

Payments were successfully deducted from my account from the initial date of entry up until XX/XX/XXXX through XX/XX/XXXX. 

Within this time, I have been making every attempt to speak with someone to honor the contract agreement and refund or prorate my payments as stated in the contact since the facility did in fact close and never re-opened. No one seem to have an explanation to their own contract. 

Therefore, I removed my debit card before the payment of XX/XX/XXXX and continued to reach out to the staff along with XXXX XXXX XXXX but unfortunately they was not able to address my complaints. 

I signed an agreement for this location in XXXX XXXX New Jersey. Due to no fault of my own, this fitness facility currently remains closed. Prorated benefits are issuances of less than a full month 's benefits. At no time after closure, did I receive any prorated benefits as stated within the contractual agreement? 

Each credit card statement ( see attachments ) reflects the full monthly benefits even after the gym was closed, never to reopen, they continuously removed funds from my account. Also I have a unjustified negative collection on my XXXX  credit report from [ First Credit Services ] assaulting my once stellar credit profile for the amount of {$140.00} which is inaccurate if the policy within the agreement was honored to prorate payment after closure. 

According to the XXXX XXXX XXXX, there are unique cases with this company, XXXX XXXX, however, whats very unusual is the amounts individuals are complaining about is roughly the exact amounts of {$150.00} during the Covid-19 Pandemic as if this company was illegally pulling funds in the same amounts to survive. Along with another inaccuracy listed throughout the entire contract. The address of XXXX XXXX  as listed throughout the contract XXXX XXXX XXXX XXXX XXXX, NJ XXXX as their primary location address. But this is NOT their actual address, That address is XXXX XXXX address. So how can anyone successfully send a notice of cancellation?
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Reporting unverified and inaccurate information on my consumer report that is hindering my ability to conduct business transactions and is harming my consumer reputation. Reporting alleged debt of {$420.00} when I have no written contract with PORTFOLIO RECOVERY ASSOCIATES. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violation of15 USC 1692b ( 5 ). Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violation of 15 USC 1692d ( 2 ) using obscene language that I, the consumer abusive. Debt does not belong to the consumer XXXX XXXX XXXX.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX FI XX/XX/2020
Consumer complaint received 2022-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (MI)

I am guessing that this account was sent to McCarthy, Burgess & Wolff under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX send someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I have and who I need to get to fix it. I had XXXX and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back.
Consumer complaint received 2022-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account SXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Landlord at Apartment complex didn't like me so false move out charge were put on my record i filed a complaint with HUD and judgment was in my favor to have charges removed I have been contacting XXXX, XXXX, XXXX  and the Company IQ Data whom all have received correspondence from HUD and the Attorney for the property regarding this bad DEBT that is Hurting my CREDIT Items have not been removed and its been almost 2 years that i have been trying to get these negative amounts removed. I am not responsible for these false charges.
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CO)

Westlake Portfolio Management bought my car loan from XXXX XXXX XXXX on XX/XX/2020. I received correspondence that the amount due was {$420.00} to be paid on XX/XX/2020, but the actual amount due on that date was {$380.00}. In addition, I was sent correspondence that their records indicated I was participating in ACH withdrawals with XXXX, but this is not correct. Further, I was sent correspondence that my insurance was lapsed, or terminated. I called to ask about it, and when pressed who reported this information to them, they indicated the name of my insurer was " Your Insurance '' which is incorrect. My insurance did not lapse, and it was not terminated. The total amount due on the loan was mailed to me ( {$5400.00} ), and it was different than the total amount due on the loan reported online ( {$5400.00} ). I feel that the fraudulent information sent to me is an attempt to defraud me.
Consumer complaint received 2023-04-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MO)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

LoanCare via XXXX XXXX XXXX has reported to the credit bureaus that I am four months behind on my monthly mortgage payments. They failed to pay my county property taxes and they have stolen my surplus escrow money and failed to apply this money to any of my monthly mortgage payments. For more than nine months I have emailed, written letters, and called them attempting to resolve the matter. I have made the payments that they are reporting as behind. I provided proof of the payments with the transaction dates from my bank statements, I sent them the check numbers, amounts, and dates my bank processed the checks, but they refuse to correct their records. I am a 100 % XXXX XXXX XXXX veteran. My property tax was reduced based on my XXXX, so I had a surplus in my escrow account. XXXX XXXX, XXXX kept the money, but their records do not reflect they applied the funds towards any alleged delinquent payments. Here is my information. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA, XXXX LoanCare via XXXX XXXX, XXXX loan number : # XXXX, and phone - XXXX, email - XXXX.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I recently provided a client with a consultation on how to repair his personal credit and establish a business entity after service was rendered he request a refund at which time PayPal complied I have submitted proof that service was provided with screenshots and also advised PayPal that it would be a fcra violation PayPal has made numerous threats to garnish money out of my account using threatening messaging to retrieve a so called debt
Consumer complaint received 2022-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (TX)

In XXXX I purchased a dog through this company we agreed on {$2000.00}. They auto drafted the funds from my bank and verified accounts. In XXXX  I was admitted into the hospital for XXXX and lost my job. I had not contact. I had an ongoing investigation with my work to grieve my job. This company did not allow me to enter my new bank account during the pandemic time period and now overcharged me. Can we please dispute and delete this from my report. I reported to the company multiple times. They have harassed me and threatened to charge me {$8000.00}. I have no contract nor a signature to owe this amount of money. I have been asking for information to read any contract. During the pandemic they stopped contacting me. I need help deleting this {$6600.00}. I did not omit to these charges.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

this complaint is filed against US bank for deceptive business practices. 

In or around XX/XX/XXXX, i opened up a business checking account. at the time of the opening of account, it was noted that the account was FEE FREE if you selected estatements, which I DID SELECT. the bonus offer was deposit {$3000.00} or more and after 60 days, receive a {$500.00} bonus. I deposited {$3000.00} to satisfy this requirement and the funds remained until XX/XX/XXXX. shortly thereafter, i was solicited by us bank via email to open a merchant services account and settle a transaction to receive an additional {$600.00}. there was a monthly fee of {$6.00} a month for the equipment advertised. 

the following events unfolded thereafter : XXXX ) beginning in or around XXXX of XXXX, us bank began charging my account a monthly service DESPITE the account being enrolled in estatement. I would call each month and the us bank agent would refund the service fee. this occurred again in XX/XX/XXXX. 

XXXX ) i completed a transaction with the us bank merchant services in or around XX/XX/XXXX. 

XXXX ) on or around XX/XX/XXXX, after neither the checking bonus or merchant services bonus posted, i contacted a us bank agent. They claimed i was disqualifed from the us bank checking bonus because my balance fell below {$3000.00} in the checking account. I explained to them IT DID NOT fall below the balance, but for your bad faith deduction of the monthly service fee when I AM ENROLLED in estatements. the agent then said because i did NOT meet the terms for the checking account, that meant i did NOT qualify for the merchant services account bonus despite the fact it was confirmed i met the terms for BOTH bonuses. 

this is blatant unfair business practice and bait and switch. I met the terms of both bonuses and it was confirmed by the agent. the monthly service being charged by us bank was unauthorized and should have never occurred since i was enrolled in estatements from the inception of bank account.
Consumer complaint received 2022-07-02
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)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

My mortgage was sold to Rightpath Servicing ( XXXX XXXX XXXX, XXXX, Tx XXXX ) during XXXX of this year from XXXX XXXX XXXX I had {$1900.00} in my escrow when my loan was sold in XXXX. My homeowners insurance has always came out of escrow. ALWAYS for 20 years. I don't know what happened when my loan was sold but my homeowners insurance was not paid in XXXX of this year when it was due. My homeowners insurance was going to lapse because the mortgage company never paid it despite me and my agent sending in several invoices to them. This has caused me to have to pay my insurance out of pocket for the past two months, which is an additional burden. I have attempted to contact Rightpath for the past 3 weeks at their customer service number of XXXX. A automated person will answer and ask for identifying information, then it will say " let me connect you with customer service ''. Then no one EVER picks up the call. After 20 minutes or so the call will just disconnect. I have 18 screen shots of calling the customer service number for the past 3 weeks and I continue experiencing the same issue. I have emailed Rightpath as well and received a note in my account saying they received my " ticket '' from XX/XX/XXXX yet they have done NOTHING to update my escrow or pay my homeowners insurance. Plus the entire time you can not reach a customer service representative on the phone. My insurance agent has experienced the same issue. I would like to file a formal complaint against Rightpath and I need someone to help me resolve this issue. I do not know where my escrow money is and why no one has contacted me to this date. I did NOT give anyone permission to change my escrow and I have continued making the same payment amount the entire time.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

Lender, XXXX XXXX, locked my rate at 2.875 % on XX/XX/2021 and didn't explain the rate was locked until XX/XX/2021 and what that meant. 
On XX/XX/2021 I was informed XXXX XXXX was no longer with the company, Velocio and she had failed to provide me important details such as other options I had. 
I was unable to close on XX/XX/2021 due to COVID related issues/staffing, the winter storm, I didn't have electricity in the home, causing the XXXX XXXX  XXXX inspection to be delayed, the HVAC system wasn't working, and there was a construction related incident on the 2nd floor of the home causing the HVAC system to be turned off until it was fixed. All of this took place the week of XX/XX/2021 - XX/XX/2021 The issues above were out of my control .My realtor reached out to the Builder manager to ask for perks and the builder offered two items totaling less than {$1000.00}. 
We wanted the rate bought down from 3.65 % to 2.875 %. The monthly mortgage went up by $ XXXX. That is a lot for a single mother who promptly turned everything in. 

Builder : XXXX XXXX ( XXXX XXXX & XXXX XXXX ) Mortgage : Velocio ( XXXX XXXX, XXXX XXXX )
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (VA)

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment NONE of these inquiries resulted in any of the above outcomes. 

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 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
Consumer complaint received 2022-08-07
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. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2022-04-27
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # XXXX, 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 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.