davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I have a mortgage with Mr. Cooper and I was current until XX/XX/2020. But due to financial difficulty I was behind in my mortgage from XX/XX/2020 to XX/XX/2020. Since then I have been paying my mortgage to them in the amount of {$790.00}. On XX/XX/XXXX I received a letter from Mr. Cooper that I had not paid my property taxes and they needed a proof of payment in 30 days. And I in fact did contact them on XX/XX/XXXX that I had already paid the property taxes and I had mailed a copy to them and I did mention that I had sent several e-mails with the property tax information and that e-mail was undelivered.On XX/XX/XXXX I received another letter stating that I need to bring my mortgage current by paying {$3200.00}. I again called them on XX/XX/XXXX and explained to them that by end of XXXX I should be able to bring my account to current. I get yet another mail from Mr.Cooper saying starting XXXX I will have to pay escrow as they paid part of the property taxes and that my mortgage will increase to {$990.00}. I again called them at this point of time I do not know the date or time as they have been sending barrage of mail like every other day or every week. I have sent them e-mails with the proofs of my property taxes being paid and the e-mails were not delivered to XXXX the company they use for escrow account. I called the local tax commissioner 's office to get details if the money was applied to my property taxes and they said that a check was mailed back to them on XX/XX/XXXX the day and I sent them all the details. I have been since then paying {$790.00} every 2 weeks trying to bring to current. At one point they returned my money, but I sent it back to them. I made my last payment on XX/XX/XXXX for {$790.00} and they send another letter stating that I did not pay the full amount that is due for mortgage so they put in an suspense account until I pay the full amount. I am not sure what I can do at this point of time. I never had an escrow account and I have been paying my taxes every year, maybe late this year due to financial difficulties. Mr. Cooper also acknowledged that they received the information from the local commissioner 's office that my taxes were paid. I am going to send all the notices and mails and e-mails that I have to you. It has been an emotional turmoil to me as I am afraid of losing the house. In good faith I did what I can, but they are not helping. They even suggested that I take 3 months forbearance. And what happens after 3 months do I have to pay everything. They said yes which includes fees and other charges. And I can not refinance or modify the loan either. I am just tired and drained out talking to the people at Mr. Cooper. I just need help to get this resolved and pay my monthly mortgage of {$790.00} and pay my own property taxes. 
Thanks
Consumer complaint received 2020-06-12
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: MoneyLion Inc. (TX)

On XX/XX/XXXX I reviewed my account with moneylion and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as Monwylion is reporting on all 3 major credit bureaus.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

My XXXX account was hacked and someone ordered {$420.00} in charges without my permission. XXXX froze my account and never shipped those items. They reversed the charges see attached and serve will not give me my money. They denied my dispute 2 times. I have additional documentation from XXXX that these were unauthorized charges and serve at American Express will not give me my money. Please hrlp
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (GA)

XXXX XXXX XXXX has placed an account with Perfection Collection XXXX. Someone opened an account with this home security company in my name. The balance is {$3400.00} I sent transunion a copy of the police report however they refuse to remove the account in addition. The collection company states that they will not remove this account unless someone is prosecuted for the crime. They would not accept a copy of the police report.
Consumer complaint received 2022-03-01
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. (TX)

I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, TransUnion and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX  has payment status as : Legally paid in full for less than the full balance XXXX has payment status as : Paid Transunion has NO payment status Transunion is reporting this account as open
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Credit Control (CA)

As a Federally Protected Consumer, the Original Creditor, and its Principal and Authorized Representative for on all accounts created by my seal/signature, As of the date of this letter you XXXX XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (NY)

I spoke to a representative at Diversified Adjustment Service Inc. who represents XXXX the phone company. They told me that I could settle my debt with XXXX if I paid half of the owed amount to them. I paid XXXX dollars and was told that I no longer had a debt with sprint. I called XXXX two days later to confirm that my debt was paid and they informed me that it was not true but I still owe them a few XXXX dollars. When I explained what happened and what I was told they said that it was not their problem but I still owe them. I called Diversified and was told by a new representative that what happened is not their fault but they could transfer me to a manager who did not answer. I called back multiple times only to be transferred multiple times to the voicemail of the manager. I explained to both XXXX and Diversified that financially this is a hard time due to losing my job to Covid 19 and I only paid the debt to protect my credit. There was no resolution.
Consumer complaint received 2020-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Rhode Island Student Loan Authority (RI)

Rhode Island Student Loan Authority ( RISLA ) has debited my bank account for my payment, but not posted it to my student loan account. They have stolen over {$1000.00} from me.

I submitted a payment on the RISLA website using the same stored bank information I have for all previous payments. The payment posted to my bank account within a few days with no issues.

I got a follow-up email from RISLA that my payment was returned. I verified it was not, and called customer service expecting them to have some sort of resolution process to work this out with my bank. 

No one would even make an attempt to look into the issue, they would just read " your payment was returned '' from the account notes and not proceed any further. I have spent over three days on the phone trying to get assistance. 

Here I am with a $ XXXX payment debited out of my bank account, my student loan is still showing a payment due, and I have had no assistance.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX  XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-06-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Francy Law Firm, P.C. (CO)

I was sent a letter in the mail XXXX XXXX2020 from fancy law firm in regards to a charged off auto loan that I had with XXXX XXXX XXXX as soon as I received the letter I called them to see what my options were I offered to make a XXXX dollar payment arrangement a month until I can go back to work when I will be able to pay XXXX dollars every XXXX and XXXX of the month which are my pay periods they told me that those options would not work I will have to pay more than that because the interest rate is over XXXX percent I still explain to them what my income was and the representative that I spoke with said they will Sue me and they will also try to reach out to the other party listed on the auto loan. On XXXX XXXX   two thousand and twenty a representative named XXXX contacted me I missed her original call so I called back about an hour or so later I again explain to them the payment arrangements that I could pay and at that time XXXX became very aggressive and very rude she said that I could have paid my stimulus check for the debt I could have used my unemployment I told her I didn't have any unemployment to give at the moment she said they could take my unemployment XXXX also said they will continue to call until it gets resolved or they will Sue me in court she also stated that she would contact the other party which is my great aunt on the loan she asked me what kind of income my great aunt had what I had on her and I told her I had none to give, and she continued to just get more and more aggressive and very, very rude, every time someone calls from this law firm, they are very rude and nasty, they threaten you, I understand that they do not have to go with the payment plan that is offered, however, they still need to be able to handle calls in a well manner, they should not treat people the way that they have been treating them. When I first reached out to this law firm, the very first representative I spoke with said the minimum amount they could take was XXXX from me, however, she did not reiterate if that was every XXXX weeks, every week or every month, so if me offering XXXX every XXXX and XXXX, once I go back to work, is not suitable, they should have never told me that amount if that was a lie
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with fair credit reporting act XXXX XXXX XXXX  ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Signed up for Transunions website, which asked for CC info, they then charged me {$25.00} for a reoccuring plan that I can not cancel or find any contact info to have the charge reversed and canceled.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (MA)

Orignal debt was created on XX/XX/18 fraudulantly via utility company XXXX XXXX XXXX Balance was for {$64.00}. Called Utility company XX/XX/18 to dispute transaction due to fraud. XXXX XXXX informed me account was created in XXXX of 2018 and went to collection on XX/XX/18. I asked what could be done because I did not create the account nor did I live in the state of Nevada. XXXX XXXX said it was out of their control and I needed to get a hold of the person the individual that created the fraud or contact the police. Police informed me I needed to make an in person statement to an officer, of which I was not capable of doing. In an effort to get this off my credit ASAP I paid the charge off to quit reporting to credit bureaus. I feel this is a very unfair situation that I have little to no way to remove off my history. As a result I have been denied credit cards an loans due to collections on my account. I would like this to be removed from my credit and any late/missed payments accordingly. 

Thank you very much for your help!
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (NJ)

My mother was on the phone with me the first time I called, XXXX hung up on me even when I gave authorization for her to listen. She called back and asked to speak with a supervisor who hung up on her, she called back again and XXXX was speaking in XXXX, my mother advised her we speak English and why she was calling XXXX hung up on her again.My mother called back and asked to speak to XXXX XXXX listed as the Vice President on their website XXXX said I 'm mother could n't listen to the conversation as she was giving me direction for the questions we had, he hung up on me. I called back and asked XXXX to send me the documents he had regarding this claim, he heard my mother talking to me and hung up again. 
I need a copy of the charges and how and when they were sent to me. Thank you
Consumer complaint received 2020-08-04
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: First Federal Credit Control, Inc. (OH)

I spoke with an XXXX representative with a reference ID of XXXX  XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which XXXX   refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXXThe creditor claims they shared the information with XXXX on XX/XX/XXXX. XXXX claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is First Federal Credit Control. Here is their link. https XXXX //www.ffcc.com/ The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to XXXX on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with XXXX. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I received a phone call on XX/XX/2020 at XXXX PST from caller ID 'Jpmorgan Chse ' tel number ( XXXX ). They said they were with JPmorgan Chase and were offerring 0 % interest for a limited time on my current card. They had me wait on the line and this guy picked up and immediately asked for my full name, then asking for my credit card #, and asked if it was Visa or MC, and what my balance was on the card, to see " if I qualify for the promotion. '' They also asked for my bank account number and bank name. I didn't give any information because they were rude and demanding my information. I immediately suspected it's a scam. Please don't fall for this scam and let others know!
Consumer complaint received 2022-03-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-01
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. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have two unauthorized charges on venmo. 
1. dated on XXXXXXXX XXXX2020 @ XXXX to XXXX XXXX and the second unauthorized charge on XXXX XXXX 2020 at XXXX to XXXX XXXX as well . 
Venmo mixed up the charges. The payment to XXXX XXXX is correct. Venmo is very unorganized. The two charges I am fighting are both for XXXX XXXX 

2. I have contacted venmo on several occasions stating I did not authorize these charges and have filed a complaint with my XXXX bank. 

3. Venmo states they could not find any unauthorized activity. I don't know what steps they took to state that but I did not authorize these charges and would like for you to help me resolve this case, and also have Venmo re-instate my account. 
This is no fault of my own. 

Thank you
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

So, initially I had four credit cards with U.S.A.A in XXXX of 2019 I realized that with accruing debts needing to be paid would prevent me from paying. I talked with several representatives over phone, via U.S.A.A. chat. I attempted to set up automatic payment plans with the four credit card accounts around XXXX or XXXX, much to my chagrin after two months of believing auto-draft would take, I then became delinquent.
Consumer complaint received 2016-12-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Assistance Inc (NC)

This morning I received an alert from XXXX that there was a negative entry to my credit. When I checked, there is a collection of {$380.00} from Financial Assistance in XXXX WA. We have NEVER received anything from XXXX telling us what this debt is for. In XXXX 2016 We moved out of an apartment called XXXX XXXX in XXXX, WA. The moveout fee they charged us was {$560.00}, and after negotiation they agreed that we owed only {$190.00}, which we paid to XXXX in XXXX. But never have I been contacted from Financial Assistance regarding owing {$380.00} and I have no idea what this is for. The company 's address is XXXX XXXX XXXX XXXX XXXX, WA XXXX and their number is XXXX. Please help me with this. I have no idea what this money is for and I ca n't have this negative entry going against my credit. The only way I even knew this exists is from the XXXX alert that there was a negative entry on my credit report and this is incorrect. Thank you very much.
Consumer complaint received 2020-01-06
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-06-11
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. (TX)

I disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.