davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc. (VA)

I have contacted the collection company and XXXX disputing this debt many, many times. I have requested information under FCRA, asking XXXX to provide me with proof and documentation of their verification process, and also I have requested the collection agency to provide me with documentation bearing my signature showing This debt belongs to me with an agreement, signed showing I supposedly owe this money. All attempts have failed. This collection agency and hospital has also violated my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I have requested proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please also be advised that this complaint is not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance and a response to this compliant, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of state medical privacy rules. 
I also hereby reserve my right to take private civil action against the hospital and collection agency to recover damages.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (MO)

I have a balance of {$3800.00} showing on my credit report from National Credit Adjusters. I paid the loan back which was XXXX. I also have proof from my bank that I paid the loan off with the previous company called XX/XX/XXXX. I paid the loan off on XX/XX/2017.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (HI)

I attempted to pay off my entire balance on my Goldman Sachs Apple Card on XX/XX/XXXX and called in to make a balance transfer of {$5700.00}. The payment was initially accepted on the phone, but a few days later the charge was denied. 

I still had a balance due on the Apple Card, so I called to find out what the updated total amount due was. The rep told me my new balance was {$5800.00}, so I mailed in a physical check. That check went through on XX/XX/XXXX. I showed a {$0.00} balance. 

On XX/XX/XXXX my account was charged interest of {$74.00} and a monthly installment plan of {$41.00}. I called to find out why I was being charged this when I had a {$0.00} balance. I could potentially understand the installment payment ( though I was told it was included in the balance I paid ). But I didn't understand how a {$41.00} charge would accrue {$74.00} worth of finances charges. The rep couldn't explain either. 

Between XXXX and XX/XX/XXXX I called several times I was never given a clear answer as to why I had a balance. Finally in XXXX, they explained that the balance I was quoted did not include the installment plan and I would still need to pay that amount of {$160.00}. I initially disputed that amount because I felt I shouldn't be penalized for their mistake. 

I eventually called back in to pay the {$160.00} and get rid of this headache. I was told I would have to pay the new balance of {$210.00} because there was delayed interest that wasn't applied when I paid the balance in full. Again I told them I got my pay off number from them and do not want to pay any additional fees. Due to their mistakes, poor communication and poor customer service, I am asking a third party to review this case.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-03
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 XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXXL XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX : {$10000.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX  XXXX Balance Owed : {$6500.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$460.00} XXXX-XXXX XXXX XXXX Owed : {$880.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To whom it may concern, i am writing to you because it is a nightmare dealing with Specialized Loan Servicing since almost 1 year ago. when the pandemic started my income was reduced so much that i had no choice to missed a few mortgage payments.

At first told me that i did qualify for a loan modification and because my income was reduced i had to submit my proof of income and an application.

Now after 10 months under review Specialized Loan Servicing told me that my loan doesnt qualify because the terms of my loan were extended to 636 months.

Which is False, my loan was not extended at 636 months as Specialized Loan Servicing confirmed that was the reason of denial.

Now Specialized Loan Servicing changed the story telling me that because my current interest rate is at 6.375 % Specialized Loan Servicing couldn't offer a better interest rate and that was the reason i didn't get a loan modification.

At this point im very frustrated with Specialized Loan Servicing since every time that i call they keep changing their story. 

Please help since i am very scared that after almost 1 year Specialized Loan Servicing did this on purpose to take my home away. 

XXXX XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2021 I closed a home on XXXX XXXX in XXXX, California, as the selling party. Quicken was the loan servicer. 

To date Quicken has not sent me the {$810.00} settlement check for the overpayment that I made at the time the loan was closed. I have attempted to contact them and just get sent from department to department. I have spent more than {$810.00} of my time trying to recover the funds that they are now illegally holding.
Consumer complaint received 2021-01-19
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. (FL)

I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I've been calling to get a new card as I lost mine and suddenly got a closed account alert. 
I immediately called to get it reinstated and was blown off by everyone I spoke to who did all but laugh at my predicament. I was also told by a manager that them closing my account would have no impact whatsoever on my credit score which is incorrect information.

I explained that I have called many time and to look at my records as my card was lost many months ago but no replacement was ever sent.

The manager told me that they did not need any reason and can just cancel my credit cards for any reason at any time. 
This has ruined my credit as it was my longest card. 
I had no notice at all that they were planning on closing it.
Consumer complaint received 2021-01-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FUTURE FINANCE COMPANY (IL)

I purchased a vehicle from Future Finance on XXXX on XX/XX/XXXX and also signed a Wage Assignment at that time. A week after purchasing the vehicle I began to have problems with it. It was a lemon. I contacted the finance company and ever since I had been trying to work with them on getting rid of the vehicle. The dealer went bankrupt shortly after we purchased the car. In XXXX I asked for the finance company to please take the vehicle back as it was costing me too much money to repair. At that point they took the vehicle and I began to make payments of {$150.00} a month to try to pay off any debt owed. In XX/XX/XXXX the finance company decided to send ( email ) : not by certified or registered mail : an expired wage garnishment to my employer. They embarrassed me at my work place while illegally attempting to garnish my wages, my rights as a consumer were violated. I notified the company of this and when I demanded for them to provide me with supporting documents of what I supposedly owe, I never received a response. At this point On Friday, XX/XX/XXXX I was contacted by an attorney who served me with a summons to appear in court. I contacted their attorney and told them of the issues with future finance and his response was that, " that happened before it arrived on my desk '' as if to brush off the fact that my rights were violated and they are still trying to pursue this in court.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (IN)

We were preapproved for a refinance for our home through Amerisave. Address of the home in question is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. While we were still in the middle of the refi process ( gathering documentation ), our home originator XXXX XXXX on XX/XX/2021 pressured me to pay a {$500.00} application fee which he explained was non refundable. I paid this with my credit card under pressure and kind of had an uneasy feeling about doing so. As soon as that application fee was processed, Mr XXXX ceased contact with us ( other than form emails ). In the form emails he kept asking for financial info which we had long ago provided. I called him and left numerous voice messages and numerous emails. I have not received a single response from Mr . XXXX. I believe he is committing fraud by keeping my money and refusing to communicate with me XXXX XXXX NMLS ID # XXXX Amerisave Mortgage Corporation NMLS ID # XXXX
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Background : New Res Shellpoint Mtg took over the mortgage servicing of our loan from XXXX XXXX XXXX when we file for Chapter XXXX Bankruptcy protection on XX/XX/XXXX. We were behind on payments and included them in our plan. 

When the loan was transferred from XXXX  XXXX XXXX to Shellpoint on XX/XX/XXXX. Either XXXX  XXXX XXXX or Shellpoint didn't record our payment of {$3500.00} which was paid on XX/XX/XXXX electronically posted according to XXXX XXXX. 

This threw our payment history off for years. Until Congress passed the Morgage Servicing Act in April of 2018, I was unaware there was an issue. 

Finally after years and having to retain an attorney, Shellpoint found the payment. After weeks on end of calling, emailing, and being placed on hold. 

My Chapter XXXX Bankruptcy was discharged, XX/XX/XXXX Problem # 1, The Shellpoint Statements have been misstated since they began serving the loan. This affects our ability to provide documentation in order to refinance our loan. We are currently paying a high-interest rate. This materially impacts us financially because it is difficult to prove we have paid 12 months on time according to Shellpoint. 

I am trying to refinance and found out today, XX/XX/XXXX. Shellpoint has been reporting some of my loan payments as delinquent during active bankruptcy. According to my understanding, this is not legal. This also has a material effect on my husbands and my credit scores. 

We will be paying a higher interest rate to refinance due to their inability to service the loan properly. We have worked hard for ( 5 ) year only to deal with this issue, ugh ....

I have exhausted my patience. I didn't want to complain. I have spent years trying to straighten issues out with Shellpoint. I have spent hours on hold. Been hung upon. They rarely respond even after my Chapter XXXX Attorney gave them permission. It took them over two years to correct my statements. I provided a printout of all posted checks from XXXX and it still took them years. 

Finally, our XX/XX/XXXX Statement from Shellpoint indicates they are Charging me {$250.00} for my bankruptcy discharge. I have asked repeatedly, by what authority or agreement do they have the authority to arbitrarily charge me {$250.00} for ( Legal Fees ). I had no agreement with Shellpoint and this was not agreed to in our Chapter XXXX agreement. 

This is the worst company I have ever worked with. Our 2nd Mortgage Company is with XXXX now XXXX. We have had NO problem with them, their statement, or been arbitrarily charged legal fees when our Chapter XXXX was discharged. HELP
Consumer complaint received 2020-12-30
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. (TX)

See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. XXXX  and Transunion need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect Transunion and XXXX  to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.
Consumer complaint received 2021-01-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/XXXX I was contacted at my personal number by an individual claiming to be XXXX XXXX, he was claiming to work for XXXX XXXX XXXX. Individual called from XXXX, provided call back number XXXX. Individual had all my personal information. Including names of people in my household, SS number, and name of bank I used to bank with back in XXXX. Individual threaten to file a criminal case with the County for IBC and Defrauding a financial institution. Individual request payment for {$500.00} claiming to be owed to the cash store for a loan opened in XX/XX/XXXX. Individual request payment with a credit, debit, or prepaid card. Informed individual I would call back with information. After the call was disconnected I did some research. I contact the Cash Store for further information. No account was found with my personal information from XX/XX/XXXX. I googled clear source solutions wasnt able to find a company under that name. The only company I found was clear solutions. I contacted them and provided my personal information, no exiting account was found. I called back the individual claiming to be XXXX XXXX and requested individuals employer address he refused to provided the information. He stated, l make the questions and you answer, I will give you the address after you pay, what do you want the address for anyways. I replied, if Im going to liquidate a debt I have the right to have this information, he replied, stop calling me and disconnected call. Individual refused to identify his license number or send a notice in writing of debt he was claiming. When call came in it was a recorded line stating there was a pending summons linked to my personal information and I would be served by the courts, individual claiming to be XXXX XXXX also disclosed he worked for the government, with litigations. Tried to call back individual after he disconnected call, was unsuccessful reaching him again.
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have never applied for an account with this company or given them authorization to insert any accounts to my personal credit profile. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (FL)

One XX/XX/XXXX I did a consumer credit transaction with Chase Auto Finance. The total amount of the transaction was for XXXX ( which includes my down payment of XXXX ). This purchase was for a used vehicle and as per the retail installment contract, the finance charge was {$2000.00}. I ended up paying an additional {$12000.00} to finance the vehicle, which means that Chase Auto is in violation of the truth in lending act, 15 usc ch.41 1601. Chase failed to comply with 15 usc 1605 ( a ) as i should have not been charged any additional fees besides the finance charge as this section states that the finance charge is the sum of all charges. Additionally they are also in violation of 15 usc 1605 ( b ) as auto my auto insurance was not included in the finance charge. Chase failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and they are required by law to pay twice the amount of the finance charge. On XXXX I sent Chase an Affidavit via UPS and it was received on XXXX. Today I am contacting the cfpb to get this matter resolved as quickly as possible.
Consumer complaint received 2021-01-19
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)

XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable. I will file a lawsuit ASAP!