davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (WI)

On approximately XX/XX/2022 I applied for a {$500.00} loan from Spotloan.com and was approved. Spotloan sent me an email confirmation for my loan along with my proposed payment schedule which consisted of 20 payments for {$95.00} and 1 final payment of {$94.00}. My first payment was scheduled to be billed on XX/XX/2022 and I had the payment set up to come out of my checking account. 

On XX/XX/2022 I called Spotloan to find out my early payoff balance. The customer service agent I spoke to told me that if I pay off the entire balance in full on this day the total amount owed would be {$530.00}. The customer service agent asked me if I want to go ahead and proceed with paying off the loan today. I told him yes and he said that due to the holiday weekend that the payment would not come out of my checking account until XX/XX/2022. I asked the agent if I would have to pay any additional interest, and he told me no the final amount would be {$530.00}. So, after the agent reassured me I would not be charged any extra interest I authorized him to bill my checking account for {$530.00}. 

On XX/XX/2022 I noticed a charge on my checking account for the amount of {$95.00} so I called my Credit Union to find what the charge was for and my Credit Union told me the charge was from Spotloan.com. Spotloan was closed on XX/XX/2022 because it was a Saturday so I waited until XX/XX/2022 to call them because XX/XX/2022 was XXXX XXXX so I knew they would not be operating for business. 

On XX/XX/2022 I called Spotloan and spoke to one of their customer service agents. I asked the agent why I was charged {$95.00} extra when I payed off my loan in full on XX/XX/2022. The agent told me that because all of the banks were closed on Monday they billed me for {$95.00} on XX/XX/2022 and because the charge was already pending it was irreversible. I explained to agent that this was unfair because I paid off the loan in full the day before and he told me that's just the way it is and there is nothing he can do about it. 

So, I demanded to speak with a supervisor who told me that because the banks were closed on Monday their system automatically generates a payment request to the banks a day early because Saturday and Sunday are not business days. I told the supervisor that this does not make any sense because my payment wasn't scheduled to come out until XX/XX/2022. The fact that Spotloan billed me on XX/XX/2022 instead of XX/XX/2022 means they did not honor the terms of our contract. 

The supervisor would not acquiesce my request for a refund and he gave me a confusing explanation as to why they had to bill me before my billing date. I ended the phone call not understanding the supervisor 's explanation, but knowing that I had just been scammed.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I have reached out to Hunter Warfield in regards to a debt collection from XXXX. In XXXX my fianc paid this account in full. I have attached his bank statements from XXXX XXXX showing the account pay off amounts of {$1200.00} and {$500.00}, as they amounts were removed from his accounts. My fianc was listed as an occupant on this lease and had rights to paid this debt on my behalf. I have counted Hunter Warfield several times via email and phone to resolve this matter and they are not obliging or providing an efforts to resolve this matter. They will not respond to my emails and when I call they place me on long hold and tell me that they are investigating this matter and will return my call. Per the records below I have been contacting them for over a year now with no avail. I have disputed this records with the credit bureau 's and have gotten no where.
Consumer complaint received 2018-06-20
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: AMERICAN EXPRESS COMPANY (CA)

American Express Prepaid Card was issued to me for {$1000.00} as a reimbursement for flight cancellation. The card represents Prepaid Rewards, ( a ), there is no reward program for use of the card as advertised, ( b ), when I attempted to utilize the card to pay the outstanding balance on my American Express Credit Card ( 30 year card holder ), it was refused. Clearly, for each transaction I charge on the non-reward prepaid card ( advertised as a reward card ), I loose rewards on the credit card which has rewards. Further, where the card is prepaid ( funds on deposit with American Express Bank ), the movement of the funds from one account to another has no risk and no expense. By forcing the use of the prepaid card with merchants there is an expense to the consumer ( me ), with no reward benefit as ascribed to the credit card. Pursuant to the Prepaid Card Rules this is a violation of the rules in both respects. The inter-lata transfer at the same bank from one account to another for a consumer is requisite. It is clear if the prepaid card is drawn on another bank, the non issuing bank does not have the responsibility to accept the funds on the prepaid card for deposit. However, at the same bank movement of funds inter-lata is required. I spoke with American Express and requested escalation to the supervisor and received the same denial. Prepaid Card number XXXX XXXX XXXX - Credit Card Number XXXX XXXX both American Express.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VW Credit, Inc (NY)

On XX/XX/2020, it was reported that VW Credit INC had closed my account and then added a note. This is reported on my credit report and it is incorrect. My account is active and open. I have ten payments until my lease is over. My next scheduled payment is XX/XX/2020. Also, a note was added which I am not able to see, but on my report, it shows my payment for XXXX is " unknown '' but for XXXX and XXXX its current. This needs to be corrected immediately. I made two full payments for the month of XXXX which is why my next payment is not until XXXX. This is a lazy example of VW Credit inputting wrong data and not verifying nor double-checking. 

My payments for XXXX, XXXX, and XXXX were deferred but I made payments on XX/XX/2020, for {$350.00} and on XX/XX/2020, for {$770.00}. My statement for XXXX had a balance of {$0.00} and my next payment is XX/XX/2020 for {$770.00}
Consumer complaint received 2022-09-12
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. (MN)

the company XXXX XXXX XXXX XXXX .. submitted fake documents as evidence to the state of Minnesota Department of commerce . in order to XXXX for a debt that they claimed i owed. the address unit number amount of the monthly lease and terms was all incorrect. XXXX XXXX failed to provide official documents to validate this debt. its has now been 9 months since me receiving any official documents from XXXX XXXX to back this claim. under the fair credit act. a company has 30 days to validate a debt. after receiving written request from consumer. 9 months later this fraudulent debt is still being reported as verified to my consumer profile. my states attorney office and Minnesota department of commerce currently has a open investigation going against this company on my behalf. after i submitted proof and original documents to the states attorney 's office and the Minnesota department of commerce. my rights under the fair credit act have been violated on so many different levels from this company. by refusing to remove inaccurate and false information that's been furnished to my consumer profile the complaint number i filed with the state of Minnesota # XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I hope this message reaches you in excellent physical condition.

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement XXXX days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd,  immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. 

Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. 

The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX  and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TradeStation Group, Inc. (TX)

This makes the second time now that I have transferred a sum of money from my bank account to my brokerage account that the brokerage account set the transfer to be done twice instead of once. Then they call me upset that the transfer was declined. The real crazy part is that the amount to cover the second duplicate transfer was actually in the account. So how it got denied, I'm not even sure. On top of that, they make it impossible to actually talk to someone. I have a full-time job and I have to take hours out of my day to try to fix their mistakes. It's unacceptable and insane how these corporations have so little concern for their individual consumers. At some point, we have to stop doing business with these corporations for them to actually change.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Top Flight Assistance (Top Flight Credit Assistance) (CA)

False and misleading credit repair tactics, See video : XXXX XXXX XXXX XXXX Been a client for XXXX months. Paid the fees with no positive results. I was mislead by their sales dept on false information on how they will remove negative items on my credit report. I have made multiple attempts to reach customer service. They refuse to answer the phone and never call back.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (TX)

I downloaded the app XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX  XXXX {$21000.00} XXXX  XXXX {$320.00}
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is a Everyday call.They have been told to cease and desist any further contact with me. This account is over 25 years old that they are harassing me over. This Portfolio Collection They call Everyday any were from XXXX til XXXX
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

On XX/XX/2015, I was in my XXXX  year of college when I was XXXX XXXX  and taken to the hospital. Most of my time there was a blur as I was very injured and drunk, but an advocate from the local XXXX crisis center as well as my mother were with me. I was given a XXXX kit but told that I wouldnt have to pay for anything because care for XXXX XXXX  victims is covered by the DOJ. 

In the years that followed I never once received any sort of bill from this visit or a notification to on that anyone was attempting to collect a debt. I only learned of the collection when, at age XXXX, I tried to apply for my first credit card and saw the collection already on my credit report. 

I attempted to contact the owner of the debt, XXXX XXXX XXXX at XXXX more than once to dispute this debt and to ask for proof of services rendered. I was never given any and told that I would have to get it from the hospital. When I contact the hospital I was told that since they sold the debt to a collection agency they too dont have any record of it. 

This debt has been negatively impacting my financial health for years without my knowledge, and to date nobody can even offer proof that I owe it, other than to say that my name is associated with the account. 

I am being constantly hurt and reminded of the worst day of my life by this predatory debt and am seeking recourse and want to find a way to permanently solve this very distressing situation.
Consumer complaint received 2020-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : CAPITAL ONE AUTO FINANCE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2021-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My monthly mortgage includes escrow for insurance and taxes. I received a letter from Mr. Cooper in XXXX of XXXX that there would be an escrow shortage of {$1000.00}. At that time my monthly payment was {$2500.00}. The letter stated my payment would rise to {$2500.00} to cover the shortage. It also said if I wanted to avoid the increase, I could pay the shortage in full. 
I paid the shortage on XXXX XXXX. In spite of this, Mr. Cooper still raised my mortgage payments to {$2500.00} Subsequent calls to them to have the escrow payment acknowledged and my monthly payment reduced to the amount it was prior to my making the payment have all ended in frustration and refusal by Mr. Cooper to resolve the issue. 
In addition to this, my online account reflects my payments will increase on XX/XX/XXXX to {$2600.00}. This increase is listed as a result of the SAME {$1000.00} shortage that I already paid in XXXX of XXXX. 
They do this every year.send a letter detailing an escrow shortage and payment increase, listing how much one must send to avoid the increase, then they raise your monthly payment anyway after receiving the funds.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (DE)

In review of my credit report, I notice Credence Resource Management reporting on my credit report for the amount of  {$610.00}. I first reached out to the credit bureaus and they came back as the debt being verified. On XX/XX/2020 they sent me a so called bill from XXXX XXXX XXXX. I questioned the bill as well as I do not have an account with XXXX XXXX XXXX, especially not this year or last year. The bill shows a recent date for XX/XX/2020. I have no account with them. I also noticed from my credit report, that they are updating this account as if it is a new account, which is a violation. On XX/XX/2020 i asked this company to provide proof with regards to this debt. On XX/XX/2020 they sent a letter stating that the creditor has verified the debt and that the charges on your account are valid. 

They have not sent me any proof, for this account. They are reporting false account on my credit report.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian and XXXX are incorrectly reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W-2 for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-21
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (AZ)

My are trying to pay off the Reserve Mortagage loan with XXXX  on my father 's house. 
XXXX  keeps charging us fees for monthly property inspection, and now wnat sto charge us {$420.00} for Payment of Attorney Fees and {$40.00} for Property Inspection right before our house closes on XX/XX/XXXX 

In order to avoid any foreclosure problems, or any additional late fees with my Father-In-Laws Reserve Mortgage, I requesting that XXXX provide us, my Real Estate Agent, and Probate Attorney with detailed written instructions of what your company requires, and the time frames it requires them. 

They continue to use confusing verbal instructions with us, and omission of critical information, and due dates, which is causing us much unnecessary stress, therefore, I formally requesting written instructions with due dates, listing any required support documents from XXXX.We did not get a response back until XX/XX/XXXX. 

I wanted a check list that we can easily following in order not to miss any of their requirements, thereby causing XXXX  to charges us any extra fees. 
I requested this written instructions in accordance with the Americans with Disabilities Act since I am XXXX XXXX.