davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (SC)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. XXXX XXXX account # XXXX XXXX & XXXX, Personify account # XXXX XXXX XXXX XXXX & XXXX, XXXX # XXXX, XXXX XXXX # XXXX. XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( I ) 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 the information is inaccurate
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. XXXX has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over 100 points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2022-09-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (CA)

I just got off the phone with a collection agent that had advised that the ONLY WAY to get the calls to stop is to setup a future dated debit card payment. 

That is not what I was previously advised and Im pretty sure prior to this occasion I filed a XXXX complaint that has gone unanswered due to a poor customer service issue with XXXX who advised me that there is a grace period where I will not get charged interested and no late charge until after 10 days after my due date. 

I simply attempted to advised her that in a simple interest contract there is NO GRACE PERIOD. Simple interest uses a per diem, which in XXXX means per day. Therefore, there is no grace period of when interest will be charged. There is a window until a late charge is applied. 

This company truly has poor training skills in their agents and even worse the supervisor, XXXX I spoke with seemed very unwilling to help and did not seem to care what I had to say. Expressed no empathy and gave me an apology just so I would get off the phone. 

I dont think this company truly cares about their customers and I am sure as soon as they read it will roll their eyes and think that I do not know what I am talking about, but little do they know I have worked 5 years in the Finance industry with Simple Interest contracts. 

I want a GENUINE apology and a contact number for their Director who oversees their Training, Compliance and Quality Assurance department to get an understanding of why they are not training proper customer service and collection tactics and if their agents even take a compliance assessment to go over who the CFPB is, UDDAP, etc.
Consumer complaint received 2022-05-23
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)

I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXXAccount # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED TRANSUNION XXXX XXXX XXXX IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NC)

Credit Karma account Someone hacked my account. Changed my email and phone number, tried to withdraw funds, made two purchases and ordered another debit card. CK did return the two purchases after I disputed them. Now, they have frozen the account and I can not see any part of my account. I had a direct deposit of {$300.00} go in last night because I could not stop it in time from my employer. I have tried to call and spoken to a supervisor and all they told me is that it has been escalated to a specialist back office team. They will not transfer me to anybody to discuss my case. Will correspond via email only. The emails Ive received explains that theyve done basically nothing. I can not contact anybody from a fraud department or anything from this company ; no one will call me. I need this money to feed my family. Theyve allowed some security breach for someone else to change my information and now they wont do anything to fix it and theyre holding {$320.00}. I reported over a week ago and they just opened my case on XXXX.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear Sirs : I am having an ongoing dispute with Bank of America over unpaid school taxes from the escrow account for my mortgage ( Account # XXXX ). I have tried to resolve this with the bank on numerous calls with customer service. I have been put on hold for long periods of time and even been disconnected while hanging on for the representative to return to the call. 
On XX/XX/XXXX I received a notice from my local tax collector that my school taxes for 2020 had not been paid. I then logged onto Bank of America 's website and looked at my transaction and payment history. I saw a transaction dated XX/XX/2020 that showed that they paid XXXX for a tax dispursement. On XX/XX/2020 the correct amount to have been paid would have been XXXX. They paid XXXX, the tax with a penalty which was not correct. Then on XX/XX/2020 there is a transaction for a tax refund for XXXX. Apparantely the bank did not follow up to find out why this tax was returned. I don't know if it was sent to the wrong address and returned or if some other situation was in play. On XX/XX/2020 there is a transaction for Escrow Payment to Customer in the amount of XXXX. No explanation was given to me other than I had over paid my escrow. I believe that my escrow was overpaid because of the returned tax refund. 
After receiving the late notice and talking to the banks customer service, I called my tax collector ( XXXX XXXX ) and asked if he had received any school tax payment from Bank of America. He said that he had not received any payment from the bank and he certainly didn't return anything to the bank. The last day to pay these taxes will be XX/XX/2020. After that the bill will be turned over to XXXX XXXX, PA for collection. 
Customer service at BOA has given me various explantations why they have done nothing wrong even after laying out my problem as I have done in this document. At one point they opened a case file on this issue ( XXXX ). The case manager was XXXX and I was told that she would contact me within the next 48 hours. That was on XX/XX/2020 and I still have not received a call. At this point I have paid the school tax myself with the late penalty. If Bank of Ameirca had paid this tax on time, there would have been no penalty. I am only asking that my late fee of XXXX be compensated back to me by Bank of America. I have paid this mortgage faithfully and on time for over ten years. Bank of America 's customer service is abysmal and totally unresponsive to my needs as a customer. I would greatly appreciate any assistance you could give to resove this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am in the process of refinancing an existing mortgage with Bank Of America. The current mortgage is variable, so I accepted a fix 15 year at 5.5 % APR. Everything is within acceptable limits. except that the bank chooses to hold up the approval because they say that they are unable to reach my employer. The XXXX Department Of Education to varify my hourly wages. I have sent two end of year salary statements, Two year W2 forms and two recent consecutive bi-weekly statement, as asked. I am frustrated. I believed that I am being discriminated against due to age. I have been employed with the same employer for the last seventeen years as a XXXX XXXX. I am asking you kindly to take a look at my case. Thanks.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (IL)

In XX/XX/2020 I encountered problems with a late payment to Target due to problems arising from the COVID-19 epidemic. 
On several occasions I noticed that there was a link in the billing site that stated Target would work with persons having problems due to COVID-19. 
The arrangement consisted in my tendering an initial payment of {$98.00} and agreeing to have payments automatically deducted from my bank account. 
Since that time I have had {$57.00} per month taken from my account with no problems. 
However, last week I called the credit provider to see if I could remove my account from the agreement since under it I could not make any purchases until XX/XX/XXXX. 
The customer service representative repeatedly inferred that I was trying to avoid paying my bill. 
At first I thought perhaps he was just a rude and inconsiderate person so I called the company again and asked if my account was considered to be in collection. This person also started to treat me as though I was a " deadbeat '' and when I asked if the account was considered in collection he stated that it was because I had entered into the payment plan. 
Target did not make this arrangement sound like a collection when I agreed to the payment arrangement. 
I agreed to the arrangement with the understanding that they would not take any punitive measures against me. 
Until the epidemic I made it a practice to always pay my bill on time. 
I believe that this creditor should not be taking advantage of people suffering hardship with good intentions as to the payment of their debts.
Consumer complaint received 2023-04-08
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)

I'm sending this complaint to inform AGAIN the TransUnion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; 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 2022-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

This company has caused several problems will acquiring my loan through a sale of mortgage companies. My previous company was XXXX XXXX. The new company is Newrez LLC. Transfer of loan was in XX/XX/XXXX. This was not a refinance. Newrez llc says " this is an attempt to collect a debt, everything you say will be used in collecting a debt ''. My mortgage is not behind nor has it ever been behind and I always pay more towards principal. This is uncalled for Statement when I'm trying to do bisness with a mortgage company. I called Newrez on XX/XX/XXXX when I made my XX/XX/XXXX payment and saw that XXXX payment was showing over {$300.00} to high. I let them know that my escrow needs to be adjusted as I was being double taxed for XXXX. My house was a new build in XXXX and the county I live had to wait for appraisals and such so I was not taxed in XXXX on my mortgage but however was double taxed on my mortgage in XXXX. I called Newrez LLC to have on XX/XX/XXXX to do an escrow evaluation and they let me know they do have the tax rate and will submit for an escrow analysis. I just spoke with them today XX/XX/XXXX and the rep says they will not do an escrow evaluation because they are to busy and it's a new loan that they just acquired. That is not my problem. My loan needs to accurate and they are refusing to make it accurate. My mortgage is USDA loan and is income based for financing. Them doing this will throw off my finances significantly for the beginning of XXXX. I don't kindly with companies playing with my hard earned money.
Consumer complaint received 2023-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an account without my written instructions.15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CA)

I am submitting this complaint because I am being extremely affected by Credit NCB MANAGEMENT SERVICE. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : NCB MANAGEMENT SERVICES INC . 
Opened date : XXXX XXXX, 2020. 
Balance : {$5100.00}. 
Original Creditor Name : XXXX XXXX XXXX XXXX CALIFORNIA. 


My demand is based on many damages and all the violations that they have committed : 1. Violation of XXXX. 
2. Violations of California XXXXXXXX XXXX 
3. Failure to report first delinquency date.

4. Excessive calls.

5. Violation of California Consumer Protection Act.

6. Failure to validate account and produce itemization and debt instrument.

7. Violations of CCRA.

8. Deceptive business practices.

9. Negligence.

10. Charging unconscionable interest of 146 % as set for by California Supreme Court ruling of XXXX XXXX XXXX  vs XXXX XXXX. Your company is not registered in the business search for California, nor for Pennsylvania. 



I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please see the attached documentation to this company. 

Thank you.
Consumer complaint received 2023-04-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LendingPoint Holdings LLC (VA)

Dear Lending point I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. 

I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. 

I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. 

Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GreenSky, LLC (FL)

XXXX XXXX sold me an HVAC for my home. As part of the sale and installation, they made clear they would service my unit for the first year of ownership at no charge. 

The first year went by without a visit as promised by the merchant. When I contacted them to inquire, they demanded a XXXX payment for the service. 

I subsequently made arrangement with an alternate vendor to service the unit. Following the service, I was informed the unit had in fact sustained irreparable damage due to the lack of consistent maintenance. 

I was registered with Greensky to make monthly payments by XXXX. 
I complained to XXXX although nothing has been done to rectify the problem.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have reached out to this company and notified them that I did not open this account. I sent them a FTC report along with proof of my identification. This account was a result of Identity theft. This company is still reporting this fraudulent account to credit reporting agencies. Capital One has not supplied the following information I requested : 1.A complete Audit Trail pursuant to U.S Code 552a ( d ), including all documents, but not limited to, ledger of account,, File, all and any transactional history documents.

2.Verification notarized by the accountant assigned to oversee that particular account.

3.The Original or Master promissory note.

4.Documentation that shows I agreed to pay this debt with my wet signature.

5.The Agreement that grants you the authority to collect on this alleged debt.

6.Documentation showing I gave you permission to have my information and paperwork showing I gave you permission to report this to my credit report. No consent to you having my information is Identity Theft and you will be reported as such.

7.A copy of your state license, including the license number that gives you the right to collect in my state.

8.Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt.

9.A Form 1099c from the IRS since this account was charged off, and the IRS defines a charge off as income I should have received a 1099c regarding this account.

.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to TransUnion regarding accounts XXXX XXXX XXXX and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted TransUnion on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX  XXXX XXXX XXXX, PA XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. TransUnion is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.