davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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: Shellpoint Partners, LLC (IL)

New Res-Shellpoint MTG has repeatedly during the servicing of my account misallocated payments. I filed a complaint with the South Carolina Attorney General that explains and documents my ordeal/nightmare with this company lack of professionalism. Please see the included pdf attachment. After paying of this account XXXX XX/XX/2020 I noticed on my credit bureau reports New Res-Shellpoint MTG classified my Mortgage Loan as a Home Equity Loan which was inaccurate. Upon attempting to have them change the classification to the correct one Mortgage Loan they changed my XXXX payment to 30 days late which is inaccurate. My problem with New Res-Shellpoint MTG has been documented via email complaints see they acquired my loan from XXXX XXXX. I truly believe I'm not the first and I won't be the last person dealing with this New Res-Shellpoint MTG company that has displayed in my humble opinion true deceptive practices.
Consumer complaint received 2020-10-15
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)

XXXX card is showing that I was 30 days late but that is inaccurate. I was 18 days late and 10 days late the other time both are under 30 days and are being reported inaccurately.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and Blitt and Gaines dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (HI)

Around XX/XX/ 2018, I applied for the American Express Platinum card from the American Express company. After reading about the bonus restriction that I would not be able to receive any bonus if I have received a bonus Platinum Card from the past and I confirm that I have not receive any bonus Membership Rewards in the past with my one XXXX American Express Platinum from before. After further research, I found out that American Express also put in a safeguard and inform customer or potential customers that they may not be eligible for the new card member bonus. 

After successfully completed the application for the Platinum card, I did not see any warning and I can't see a reason why I would not be able to get the new card member bonus. Forward to today, XX/XX/XXXX, I contacted American Express about the new bonus and was informed that. " I see that the bonus offer on your card is showing declined on the account and the account notes state that you're not eligible for the signup offer for the card. '' There is no reason why I would not be able to receive the bonus. There was no abuse nor I have had the same product before. All purchases made on the card are legitimate and I did not breach the contract. I don't mind if I am clearly communicated that I am not eligible for the product but if not issuing bonus after I have receive and spend is misleading.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX  XXXX and Experian deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.
Consumer complaint received 2022-10-08
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: DISCOVER BANK (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

purpose.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OH)

Me an my wife XXXX XXXX Purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX Kentucky and it was Financed thur ally financially it take the dealership over 60 day to get them the payoff check to them XXXX XXXX sent them a payoff check and it was no good so they sent them a second one and take Ally over 60 day to get there money for the payoff from XXXX XXXXSo Ally reported us to credit Bureau that me and my wife was over 30day late on are payment so now it show we have XXXX late payments on are credit report and it was not are Fault it was the dealership fault.
Consumer complaint received 2019-02-01
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 have submitted several request for validation and verification of inaccurate accounts on my Transunion credit report. Transunion states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Transunion has ignored my request. Transunion still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. Transunion XXXX  and XXXX  deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

Date opened XX/XX/2021 Amount {$390.00} File dispute with XXXX with negative results I don't recall service from the original creditor. I'm receiving bills from ARS and XXXX XXXXXXXX XXXX XXXX I believe for the same charge but different amounts. 

ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Today, XX/XX/2022 I have contacted Equifax to deal with this violation of my rights. 

I was affected by the Equifax data breach and Equifax is in gross violation. Per 15 USC 1681 ( a ) 3, Equifax has assumed this vital role without my consent or permission. Equifax did not respect my right to privacy.

Equifax did not exercise their grave responsibility. Equifax reportings were unfair, partial and unconsensual. Equifax did not respect my right to privacy.

I never instructed Equifax to furnish this report and I never consented to this report. Equifax does not have permissible purposes as per 15 USC 1681b ( 2 ). 

These violations are undermining my confidence in the banking system.
Consumer complaint received 2020-07-06
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. (AR)

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Storehouse Mortgage, LLC (TX)

The website https : thetexasmortgagepros.com advertise rates on their website without disclosing the criteria for the rate and apr. When I called and asked for a rate, I was quoted a whole lot different rate than what the site is advertising. After a lot of questions, I was told those rates are for " preferred '' borrowers only without disclosing what a " preferred borrower '' is or what constitutes a " preferred borrower ''. 

The advertised rate is nothing but a bait and switch strategy.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Credit Services Inc. (NJ)

I was paying off my debts but when I contacted First Credit Services XXXX NJ to pay that debt off it was fishy right off the bat. The person who answered the phone could barely speak English so I hung up and called again and it was another person with bad English. I even called a third time and it was same thing and every time I called it was a different person who answered so they all had bad English. This prompted me to do some research on them and come to find out its a scam center. The reviews on XXXX about them says it all. Its a scam center! I cant give these people my info.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2018, I attempted to purchase two tickets on the XXXX website with a Fifth Third Rewards credit card for an event scheduled for XX/XX/2018. Unfortunately, I was charged for four tickets in error. I disputed the charge for two of the tickets through Fifth Third Bank in the amount of {$1300.00}. The dispute was closed on XX/XX/2018 in favor of XXXX with insubstantial evidence provided by XXXX. 

I arrived to the State Farm Arena on XX/XX/2018 at XXXX XXXX  EST to pick up the tickets from Will Call. Upon attempting to enter the venue, the XXXX Box Office representative informed me the total amount of the transaction was refunded to me as a result of the dispute in the amount of {$2700.00} and I will receive it within 7-14 business days. I was also told the tickets I received from the XXXX Box Office were voided and I was not permitted to enter the venue for the event with them. 

On XX/XX/2018, I spoke to a XXXX representative about the transaction. In our recorded conversation, he informed me I was entitled to a refund of {$2700.00} and would receive it within 7 business days. 

To date, I have not received any refund or charge back from XXXX. Fifth Third Bank has not offered me a chargeback and continue to charge me interest for the fraudulent charges.
Consumer complaint received 2022-10-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (AR)

It has come to my attention that Ive been waiting longer then 30 days to receive the validation that Cascade Capital llc claimed they would mail me. Ive given them more than enough time to produce the validation of said debt. Today marks 46 days since Ive asked for the validation. ( See cfpb complaint number XXXX ) It also has come to my attention that Cascade Capital llc does not have a license to collect debt in the state of Arkansas. 
This Corporation has violated my rights as a consumer. Stolen my identity and has the nerve to try to collect from an alleged debt. This corporation continuously reported the alleged debt on my consumer report willingly and knowingly despite not being licensed in the state of Arkansas to collect a debt. See attached documentation below.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (MA)

Company : Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Bottom Line Up Front : On XXXX XX/XX/2022, for the first time I learned that I line of credit had been opened in my name that I did not authorize on XXXX XX/XX/2022 with Kikoff Lending LLC. I need this account closed and the " delinquent '' account removed from my credit score as quickly as possible. 

My credit report showed as of XXXX XX/XX/2022 that I am delinquent in the amount of {$2.00} to this company as I have allegedly not paid {$2.00} payments in either XXXX or XX/XX/2022 and somehow have a balance of {$24.00} due. My credit score with XXXX has dropped XXXX points as a result of this " delinquent '' account that I did not authorize and had XXXX knowledge of until I noticed my dropped credit score. 

- On XXXX XXXX, I contacted Kikoff Lending via email ( the only way to contact them apparently ) and received the attached email. Reviewing almost identical summaries on the XXXX XXXX XXXX website of complaints against this company, I absolutely anticipate that I am a victim of fraud in this case. I have no username, password, or other information with which to evaluate my " account '' with this company. Again, I did not open any line of credit with this firm that allegedly builds/restores customer credit. 

- I plan to file a police report later today, XXXX XX/XX/2022. 

Any help that can provided is much appreciated regarding this issue.
Consumer complaint received 2022-04-06
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. (CA)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I'm a XXXX  % XXXX Veteran in Florida. I received an Escrow Analysis from Lakeview Loan Servicing , LLC stating an increase of my monthly Escrow payment amount, increasing from {$260.00} to {$330.00}. On XXXX I submitted my Florida Homestead Exemption Approval Letter to Lakeview Loan Servicing. I spoke to a customer service representative on XXXX who told me to call once a week to check the status of removing taxes from my Escrow Account. I called every week. On XXXX another Escrow Analysis was completed but the required Escrow payment was now {$370.00} after removing taxes and which is more than the initial Escrow Analysis conducted on XXXX that included perspective 2021 taxes. On XXXX I spoke to a rep. that told me Im suppose to have a minimum of {$1000.00} Escrow balance and couldn't explain to me why. I told her I'd never heard of that and noone from Lakeview Loan Servicing has ever contacted me nor informed me in any way about that requirement. The rep. transferred me and I finally spoke to a supervisor XXXX who tried to assist me but still gave me the run around and could not explain why Lakeview Loan Servicing is asking for an additional {$1300.00} annually when my land tax was reduced and all of my property taxes were removed. After going round and round I got tired and just sarcastically told her I understood but I didn't understand. I just didn't want to keep going in circles. If my initial Escrow Analysis conducted on XXXX suggested an Escrow payment increase from {$260.00} to {$330.00} based on perspective XX/XX/XXXXtaxes, and now I'm approved for Homestead Tax Exemption, my property taxes are removed, my land tax has been reduced, my CDD/Waste management fees are the same and my Homeowners insurance increased by only {$15.00} a month, what is Lakeview Loan Servicing justification for an extra {$1300.00} annually? Making my Escrow payment without property taxes higher than the initial Escrow payment that included property taxes and higher land tax? My original loan was with XXXX XXXX XXXX. I was unvoluntarily transferred to Lakeview Loan Servicing and NOONE reached out to me to discuss my account in whole. NOONE reached out to me to discuss either Escrow Analysis that where conducted XXXX and XXXX. The only people I got to talk to were customer service reps that only read notes and gave me the run around. This company Lakeview Loan Servicing didn't allow me to talk to the people who are doing the Escrow Analysis and increasing my Escrow which I consider an unfair business practice. I didn't ask this company for a loan, my loan was transferred to them, therefore I should have been contacted during the Escrow Analysis.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I had a charge on my account that I did not authorize. I was in XXXX when I saw it and couldnt get through to amex by phone so I just clicked that I was disputing the charge online and then kept my card locked until I returned to the US and then called then and had the card closed due to the fraud. They did so and sent me a new card and today I got a letter from Amex saying I am responsible for the charge. I called them and asked them why they are holding me responsible for a fraudulent charge and they gave me a lot of trouble about it, suggesting I just made the charge and forgot. They looked up the company and said it was a taxi and I re-iterated I have never made a {$150.00} charge with any taxi. They finally re-filed it as a fraud dispute but I dont trust them at all to take care of it and am asking for your help. I believe I am not supposed to held accountable for a fraudulent charge. I paid hundreds of dollars for this card and pay my account in full every month- why are they interested in protecting the criminals instead of me???