davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

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 + open end consumer credit plan as late for anv purpose.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got an email saying i qualified for a job. That job was to be an asset manager that would handle bitcoin currency and so I went for it. The company is XXXX XXXX everything seemed legit I fell for it and took his word for everything. I gave him my bank account and I did transactions in my account where he would wire me money and so forth. After some time the person stopped replying then the bank is charging me on the transactions. I really need help i was scammed the bank already took XXXX and that leaves me with XXXX. I have proof of everything i just want this debt clear.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My loan # XXXX with Shellpoint Mortgage has ended the Covid-19 Forbearance and I'm currently in a Trial Payment program necessary for the Loan Modification. I made the 1st trial payment, however the company still reported me to credit agencies as Delinquent. They are saying that since my trial pmts are not schedule to completed until XXXX, I will likely be reported as 90-days late. And this is when I have never missed a single pmt on any of my loans in the past 20yrs before Covid! Anyway, I made the combined payment today for the remainder of the trial pmts which according to their rep will accelerate the loan modification so hopefully this will work, but my credit rating has been damaged.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

We refinanced with Home Point Financial Corporation, a 15 year mortgage with a fixed interest rate. We signed documents as part of our closing authorizing Home Point to collect our property tax payment and insurance to be included in our monthly payment. This was all part of our closing disclosure. At the time of the closing the escrow amount was {$1100.00} with a principal and interest payment of {$2800.00}. Giving us a {$4000.00} minimum payment. The inception date and first payment was made on XX/XX/XXXX in the amount of {$4100.00}. 

Fast forward to XXXX of XXXX when Home Point sold our mortgage to XXXX XXXX. XXXX XXXX  noticed us that our new monthly payment would be {$4700.00} to cover a shortage in our escrow. Our taxes only went up ~ {$570.00} and our insurance went up ~ {$90.00} for the calendar year. After hours on the phone trying to decipher why we had a shortage when we were making on-time payments greater than the minimum payment due, I discovered that during the life of our mortgage with Home Point Financial Corp. they were not satisfying the escrow of what should have been roughly ~ {$1200.00} a month. Instead they were only paying roughly ~ {$810.00} a month to the escrow. In speaking with Home Point no one could tell me how this happened and why the closing disclosure was not followed. 
I brought this to the attention of multiple employees at Home Point. I told them that because of their mistake I was now forced to pay an extra ~ {$600.00} a month or write a check in the amount of ~ {$7200.00} to fund my deficient escrow.

Home Point would only tell me that I was no longer their customer and potentially ask the new lender ( XXXX XXXX  ) to spread my escrow payment over 36 months instead of 12 months until I satisfied the necessary amount to fully fund my escrow. 

I seriously question why Home Point sold my mortgage in the first place. Was it because they knew it would be easier to sell my loan to another institution rather than admitting fault on their end and addressing the matter?

Needless to say my new lender is asking for the new payment to ~ {$4700.00} or for me to write a check in the amount of ~ {$7200.00} to fund my deficient escrow. Neither of these are viable options.

I have impeccable credit and have never missed a payment in my life. I have always paid Home Point on time and in excess of the minimum amount due. Home Point didn't appropriate my funds correctly and shorted my escrow. In doing so they completely disregarded the closing disclosure and now because of their error I am faced with financial hardship.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I have reach out to presige financial about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-15
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. (TX)

I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX XXXX  violation of consumer reporting I want item removed from my credit profile
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX BANKRUPTCY violation of consumer reporting I want item removed from my credit profile
Consumer complaint received 2022-04-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current (CA)

I created a Current account in XXXX and funded it with the maximum amount to take advantage of their advertised 4 % savings XXXX. My account was immediately flagged for fraudulent activity and my funds were frozen. I received an email from Current requesting documentation to verify my funds and identity. I provided that information to them the same day they requested it on XX/XX/2022. 

Every week, I followed up with their chat feature on the app to inquire about a timeline as to when their investigation would be completed. I would be connected to a XXXX who would do nothing but provide boiler plate pleasantries, dance around my question, and then proceed with saying they will " escalate the situation ''. All this did was bump the email chain following the investigation into my account. I have emailed Current multiple times, receiving no response. Every time I called their phone number, it directed me to their app. 

This went on for a month. I was tired of dealing with a company that lacks any sense of urgency or transparency regarding their investigation into the unfreezing of my account. I attempted to close my account today XX/XX/2022 via the chat feature on the app as stipulated by their terms and conditions/ user agreement. I expected to forfeit all the interest accrued in the account due to early account closure and have my initial deposit returned to me within 14 days via mail. The XXXX on the app was unresponsive to my request to close my account. I have requested that they close my account via email, as well. 

I want Current to follow through with closing my account and mailing me back my initial deposit.
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I opened an account with CREDIT ACCEPTANCE CORPOR ( Account # XXXX ) on XX/XX/2018 for a car loan in they amount of {$15000.00}. I was renting the car out and it kept getting impounded. I no longer was able to maintain the car. I called CREDIT ACCEPTANCE CORPOR and explained to them the sittuation. They told me they was going to pick up the car, sell it, and let me know what was the diffrence in the balance. Time so like 6 months pass by and I have not heard from them so I gave them a call, and they told me that they changed their minds and never went to pick up the car niether did they notify me of their actions and I was lost. The car was lost in the pound and they refuse to take accountablity for there actions. It is huge problem for me as it has a negative affect on my credit report. When investigating just play the phone calls as they are recorded, and all of the evidence is there.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (IN)

These people are continuing to report inaccurate accounts on my credit! 

ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/2020 - CURRENT. They added an account to my credit for {$46.00}. {$46.00} DOLLARS! 

AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER ARS and THEIR THEIR ILLITERATE CLIENTS FAIL TO READ. 

Any medical collections from XXXX XXXX  XXXX XXXX, ARS XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. ARS has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account # 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-15
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. (AZ)

In accordance with the Fair Credit Reporting Act, Experian Information Solutions Inc. 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 an account without written instructions. 


The following information is incorrect : EXPERIAN INFORMATION SOLUTION INC. 
XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX. 

*****PLEASE NOTE**** BOTH, XXXX AND XXXX XXXX XXXX HAVE REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/2022 - Shopped at Ann Taylor, made purchase, opened credit card account to receive a discount. 
Input address information on a store kiosk which did not allow full address input. 
Never received the credit card, or statement. 
Called the finance company, they would not allow me to make the payment online, because I did not have the account number, but I provided my name, social security. 
The company insisted I make a {$3.00} fee payment and provide another credit card, I did not comply, and stated it was unfounded to charge me a fee for any information I requested. 
While on the phone I demanded to close the account, send the statement to the correct address. 
Received the statement on XX/XX/XXXX, made the digital check payment on XX/XX/XXXX, from XXXX XXXX  in the amount of {$150.00}, memo paid in full. Sent to the address on the statement for payments in full to : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the check was returned. 
I attempted to call the number on the statement, they will not take phone calls, states phones are to busy and hangs up on me. XXXX called XXXX. 
Name of the bank is Comenity, address in XXXX, OH. I am trying to call and take care of this, however the system does not allow it. Their refusal to give me the address to send the check initially caused me to be late, and then they are not accepting the payment. I never received an account number to refer to on the check, this is problematic, since they need to apply to the correct account.
Consumer complaint received 2022-05-26
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 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 2022-04-28
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. (MO)

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 open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
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. (CO)

My mother filed bankruptcy in XX/XX/2016 and she included a bank account from XXXX XXXX XXXX XXXX that was a joint account with her and I both on it in the above stated bankruptcy. The debt was taken care of and paid off but somehow ended up on my credit report saying it was a " charge off '' account with {$430.00} still owed, even though it was taken care of back in XX/XX/2016 when she filed the bankruptcy. This only appears on my credit report, it does not reflect on my mom 's. I have disputed this multiple times with the credit bureaus with supporting documentation that it has been paid off since 2016 and even had the bank manger themselves write me a letter to send in saying there is nothing owed. The " people '' who keep reporting back to the Credit Bureau refuses to give the credit bureau contact information for me to talk to them and for this to be cleared up. I have spoken to XXXX XXXX XXXX XXXX XXXX offices, all the XXXX XXXX XXXX XXXX third party associates and no one can find this so called " debt '' that is owed. I need this off my credit report immediately.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  XXXX/ {$0.00} / XX/XX/2022
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION (GA)

XXXX XXXXXXXX is listed on my credit report and I have a hard inquiry from this. I do not have any knowledge of this account at all. 

The correct Information for this account is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-28
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX {$14000.00} I had a credit card with American Express, however due to nonpayment American Express closed on account with a balance on it. However, for over a year now I have been trying to make a payment and i have been unable to due to the fact that every time I call American Express, they tell me that the account is no longer with them. I was provided a lawyer firm contact information, however, when i reached out to that law firm I was advise they no longer had the account and that I needed to contact American Express again. But yet every month a late payment is reported on my credit report by American Express
Consumer complaint received 2022-04-28
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: Resurgent Capital Services L.P. (KY)

XXXX XXXX XX/XX/2022 at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 + open end consumer credit plan as late for any purpose. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.