davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation (FL)

Last year I make monthly payment agreement of {$50.00} with the company Credit Solution Corporation for the total of XXXX. My first payment was {$3500.00} and after that I has pay {$850.00}. According my agreement my real balance is {$800.00}. Today a receive a letter from the company " All previous attempts to resolve the account have failed ''. I do not understand why the information of my account is not up to date. The agent that have my case for the agreement is the same agent that send me the letter. I also call previously to report the amount show in the account was wrong and the agent said they can not change the amount until the total agreement amount is pay in full. To my understanding I do not need to call them if I am making my payment on time. I am very frustrated and disappointed. This is not the first time this company has intent to take advantages me. The first time a get in contact I submit a complaint because they tried to imitate and threaten me. The only reason I was able to make an agreement with them was because a report their intimidations and threaten to you. Now that I almost pay off my balance agreement its feel like they are trying to intimidate me again to pay more that the agreement balance had make with them months ago. I feel my consumer right again. Companies like CSC that like to play games to the consumers must be fined for their acts. Because like a said the only reason I was able to resolve my problem was because a report them. But what happen to does customers that they do not have the resources to look for help. I can not wait to finish my payments, I will do not need to deal with this company any more.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

In XX/XX/XXXX, I was two months behind in mortgage payment. My bank sent two payments toward the payment of my mortgage for {$2000.00} and {$1300.00}. My regularly monthly payment is {$2000.00}. The late fee is {$60.00} and there is a {$15.00} inspection fee. The mortgage company statement do not reflect what happen to the {$1300.00}, however, there is a {$750.00} in an Unapplied Amount account. Loan care has taken more money from the {$750.00} that now the XX/XX/XXXX statement reflects that there is only {$290.00}. 

I am attached the XXXX Monthly Statement which shows that the two payments were made. XXXX payment was paid in full ( {$2000.00} ), XXXX monthly payment was short and XXXX payment was paid of {$2100.00} - XXXX + XXXX + XXXX ( XXXX ) =  {$24.00} overage. I do not know what suspense account did the {$24.00} go into. I don't know because I did not received a monthly state for XXXX and I was denied access to the Loancare website. 

I made several calls to Loancare to find out what happen to my money and why I know longer could have access to Loancare website. I was transferred to their Bankruptcy department, customer service could not address none of my concerns. I didn't understand why I was transferred to a Bankruptcy department since I haven't filed for bankruptcy since XXXX and my house was not apart of the bankruptcy. I was told by the Bankruptcy department that the {$15.00} fee would be charged to my account on a monthly basis because I file for bankruptcy. I asked them why and I told them that XXXX XXXX XXXX nor XXXX XXXX XXXX charged me {$15.00} per month. XXXX and XXXX inspected my house if my mortgage went more then 3 months past due. And where in my contract it states that they can charge me {$15.00} inspection fee monthly. I was told by the Bankruptcy department that those were the agreement that was made with the investors. And the investors are making this call for me to pay {$15.00} monthly. 

The Bankruptcy department said that I need to put my complaints in writing. I was given an email address and I wrote my complaints and was given a Ticket # XXXX, on XX/XX/XXXX. I waited for a response until XX/XX/XXXX, and I wrote to the customer care department again and I received a response that this email no longer being monitored. Now I am being told to go to the website that they denied me access to. 

Please help me ... .thanks
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to XXXX, XXXX and TransUnion I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending XXXX, XXXX and TransUnion dispute letters outlining what was incorrect on my file. 

TransUnion sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from XXXX on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

XXXX, XXXX and TransUnion are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''.

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!
Consumer complaint received 2021-06-14
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. (FL)

On XXXX XXXX I send XXXX XXXX, XXXX XXXX and Experian a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and Experian in violation with FCRA they never answer. I went back to Experian, XXXX and XXXX on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. this items need to be deleted from my credit report if it can not be verified within 30 Days.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # beginning 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 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OK)

XX/XX/2014 XXXX XXXX wired Nationstar {$170000.00} Nationstar has refused to provide disclosure of its acceptance of this amount or its specific payment allocation in a final payment history, after reversing 9 payments 4 1/2 years after the payment was allegedly accepted by Nationstar, only giving partial disclosure of the incomplete reconciliation of the loan, causing inaccurate credit reporting for four years.
Consumer complaint received 2019-10-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$2900.00}, {$7500.00}, {$7500.00}, {$15000.00}, {$500.00}, {$3000.00}, {$2700.00}, {$1500.00}, {$30000.00}, {$18000.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2700.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2019-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pan Am Collections, Inc. (CA)

Pan Am Collections has been calling me for debt that I do not owe and has been leaving me abusive language including racial slurs. I still have their voicemails saved I had emailed them I do not owe any debt to them, infact they had over charged me fee for prior two debt collections and had not refunded me those over charges. They charged me fee for stage 3 collection but never asked for permission to go to even stage 2 or stage. As per the contract, before moving on from stage 1, they are required to ask for my explicit permission. I had the contract reviewed by my attorney as well.
Consumer complaint received 2022-02-16
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. (IL)

To start off my XXXX complaint, I would just like to ask CFPB one question... Why are you allowing credit reporting agencies to commit Federal violations of the law?? The first evidence that I will be submitting is from a actual report from CFPB that was released on XXXX XXXX and is on the actual consumerfinance.gov website. In the report by CFPB it states that " Equifax, XXXX, and XXXX together reported relief in response toless than 2 % of covered complaints, down from nearly 25 % of covered complaints in XXXX ''. Also it states that Equifax promised to investigate but failed to provide the outcomes of their investigations to the CFPB and instead stated that they would forward the complaints to their " dispute channel. '' Lastly it states that " Equifax most often promised to open investigations and send the results to the consumers at later dates, but it would fail to provide the CFPB with the outcomes of the investigations. '' You can find this particular article at https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Now the reason for my complaint is that Equifax has failed to respond to my dispute letters that I sent XXXX XXXX and XX/XX/XXXX. I deposited my disputes via registered mail with the U.S postal service along with a return receipt. I know that Equifax received my XX/XX/XXXX letter because I did receive the return receipt which was signed off by someone at Equifax by the name XXXX XXXX on XX/XX/XXXX. The letters that I received from Equifax are soley only asking me to verify my identity and asking me to send in identity documentation. Each letter that I have sent them since XX/XX/XXXX all had a copy of my drivers license, SSC, and electricity bill so I don understand why they would need any documentation when they already have it. 

Federal law requires you to respond within 30days, yet you have failed to honestly respond to my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the XXXX XXXX XXXX ( see 15 USC 41, et seq, ). I plan on filing a complaint with the attorney general, FTC and possibly small claims court if this issue isn't resolved soon. I will be attaching copies of my dispute letters I sent, Equifax letters asking for verification, my id, ssc, proof of address, Equifax return receipt and the CFPB report I mentioned.
Consumer complaint received 2022-02-16
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I purchased reloadable prepaid Vanilla Visa Card in XX/XX/XXXX. They charged fees every time you reload card, they also charged fees when you were calling them. I paid them over {$900.00} in those fees, most of them unjustifiable. In XX/XX/XXXX I initiated transaction dispute in an amount of {$140.00} as a duplicate transaction. I spent time and money sending Vanilla Visa faxes to their Chargeback Department. They never responded or resolved the issue. Because of that I wasn't able to pay some of my bills, creating huge inconvenience and hardship for me.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

In Summer of XXXX I had fraudulent charges on a Citibank Visa credit card. The charges were dropped by Citibank all but {$2.00} that were left on my account. I was charged late fees for charges Citibank said I did not owe on. Multiple phone calls were placed and received, concluding that I was fine and no further action would be taken. Six months later I received a call from collections asking for roughly {$65.00} owed to Citibank. I explained the story and they sent the charges back to Citibank where I attempted to resolve the issue further. Upon purchasing my condo in XX/XX/XXXX, I realized my credit score took a hit for being 120+ weeks delinquent for a {$2.00} write-off. This has directly affected my interest rate on my property and other purchases that I can not get approved on. I have exhausted all angles to resolve the issue with Citibank. They have made it impossible to reach a department that can make this right. I 've had credit cards for over 10 years and have never been delinquent on payments.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX I send Transunion, XXXX XXXX XXXX and XXXX a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', Transunion in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and XXXX in violation with FCRA they never answer. 

I went back to XXXX XXXX and Transunion on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. 

this items need to be deleted from my credit report if it can not be verified within 30 Days.
Consumer complaint received 2021-06-14
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. (CA)

There are 10 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Activehours (CA)

On XX/XX/XXXX XXXX requested funds of XXXX dollars from EARNIN then repaid it same day but on XX/XX/XXXX they AGAIN went into my account and took the payment again. We are supposed to receive a loan and pay back when we are paid 2 weeks later not the same day. I have reached out for weeks proving with screenshots thru the chat line but they just ignore answering my questions and keep repeating the list of transactions instead of acknowledging that Im being charged again for the same thing twice. I have called my bank and requested a stop payment since the payment they took again on XX/XX/XXXX is still processing
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX  XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).