davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (NY)

Thank you for taking time to read this letter. Im writing because I noticed that my most recent credit report contains a 30 day late payment from ( APPLE/GSBANK ) I understand my financial obligations and I never intended to miss a payment. I have been unable to access my XXXX ( XXXX ) since XX/XX/2021. The reason why is because I changed my phone number, so I didnt have access to XXXX XXXX XXXX in order to pass the authentication process ( 4-digit code they send for verification ). This led to me being locked out the account. I spoke to a rep a few months ago when I disputed the charges and explained that Im locked out of that old account. She processed the dispute, and I thought I was good to move on from there, but the dispute result didnt come back in my favor. The results were sent to that old email and its no way I could have ever known. I gave the rep my updated mailing address and phone number but still she sent it to that XXXX after me telling her I couldn't gain access to it. This morning I received the devastating news that I had 30-day late notice on all my credit reports and it's tearing me to pieces. I paid off the total amount within hours of receiving the news. I worked very hard to get my credit to where it's at now and I was a month away from trying to purchase my dream home. I have always been in good standing with this company maintaining a XXXX balance for months before this situation occurred. I even had plans to re-apply with Goldman Sachs under my current apple id. It has never been my intentions to miss any payments. I simply just wasnt aware that i had one. I truly believe that this 30day late payment doesnt reflect my creditworthiness and commitment to repaying my debts. I have also enclosed a copy of my XXXX contract in which you will see that the activation of my phone number was in XX/XX/2021, therefore proving that I have not had access to my old phone number XXXX since then.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX Pursuant to NY XXXX XXXX NY XXXX XXXX Capital One failed to honor XXXX Complaint Report XXXX South Grand Larceny Case XXXX XXXX XXXX ; further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023. 

Capital Ones legal representation called XXXX XXXX, XX/XX/2023 at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I am pleading the CFPB order provisional payment over {$10000.00} for their negligence to prevent XXXX XXXX , from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Interstate Credit Control (MN)

XXXX {$9700.00} XXXX XXXX XXXX XXXX  DEBT COLLECTOR IN XXXX OF XXXX  I GAVE MY CARETAKER A 2-MONTH NOTICE THAT I WAS MOVING OUT IN XXXX OF XXXX BECAUSE I DIDN'T FEEL COMFORTABLE I FELT LIKE I WAS BEING DISCRIMINATED AGAINST SHE WILL PICK WITH ME ALL THE TIME SHE WILL GIVE ME NOTICE OF EVICTIONS ALL THE TIME EVEN WHEN THEY ARE LATE PICKING UP MY RENT I WILL GET A LATE FEE AND I WILL GET EVICTION NOTICE THEY HAVE A DROP BOX IN THE LAUNDRY ROOM THAT I ALWAYS PUT MY MONEY ORDERS IN AND BECAUSE SHE WAS LIKE PICKING IT UP I WILL GET WROTE UP FOR IT I FELT LIKE I WAS BEING TARGET ALL THE TIME MY KIDS FELT SO UNCOMFORTABLE BEING THERE SHE WILL CALL MY KIDS XXXX XXXX EVEN THE SCHOOLS THAT MY KIDS WAS GOING TO WAS BEING VERY XXXX TOWARDS THEM FROM THE HIGH SCHOOL TO THE MIDDLE SCHOOL TO THE ELEMENTARY SCHOOL THE LADY I WAS WORKING FOR XXXX XXXX SHE XXXX XXXX XXXX TOWARDS ME I JUST DIDN'T FEEL SAFE SO I WANTED TO LEAVE AND I ALSO INFORMED HER THAT I'VE BEEN IN A XXXX  XXXX RELATIONSHIP FOR THE PAST YEAR AND I NEED TO LEAVE AS SOON AS POSSIBLE SHE TOLD ME THAT I HAD TO GIVE HER A TWO-MONTH NOTICE BEFORE I CAN VACATE THE PROPERTY AND THAT'S WHAT I DID MY XXXX  CALLED ME AND TOLD ME THAT HE WAS ON HIS WAY TO MY HOUSE TO XXXX XXXX SO I HURRY UP AND GATHER ME AND MY KIDS THINGS AND I LEFT XX/XX/XXXX OF XXXX I MADE SURE EVERYTHING WAS CLEAN WASH DOWN WALLS I DID EVERYTHING THAT I WAS SUPPOSED TO DO XXXX OF XXXX I RECEIVED A DENIAL LETTER FROM A LANDLORD SAID THAT I OWE A PROPERTY {$9700.00} NOW I'VE RENTED FROM PROPERTIES IN THE LAST 3 YEARS FROM WHEN I LEFT XXXX XXXX XXXX SO I CONTACTED THEM TO SEE IF I OWE THEM THEY TOLD ME NO SO THEN I CONTACTED MY CREDIT AND THEY TOLD ME THAT I OWE XXXX XXXX XXXX I RECEIVED A FACT SHEET AND ON THAT FACT SHEET EVERYTHING ON THAT FACT SHEET WAS MARKED AS DAMAGED FROM THE CEILINGS TO THE WINDOWS TO THE STAIRS EVERYTHING ON THERE WAS MARKED AS DAMAGE AND IT IS NOT TRUE BECAUSE I WASN'T THERE TO DO A WALK THROUGH WITH THIS LADY THIS LADY MARKED EVERYTHING ON THE FACT SHEET AS DAMAGED BEFORE I LEFT THE PROPERTY SHE HAD FIXED MY DISHWASHER SHE MARKED MY DISHWASHER AS DAMAGED WHICH WAS A LIE WHEN I FIRST MOVED INTO THE PROPERTY SHE TOLD ME THAT ONCE A TENANT MOVE OUT THEY REPLACED THE CARPETS SHE'S TRYING TO CHARGE ME {$5000.00} FOR FOR CARPET HOW IS YOU CHARGING ME {$5000.00} FOR CARPET WHEN YOU TOLD ME WHEN I FIRST MOVED IN THAT THEY REPLACED THE CARPETS AFTER I MOVED OUT ALL OF THESE CHARGES ON HERE IS SO FAST AND I FEEL LIKE SHE'S TRYING EVERYTHING IN HER POWER TO MAKE ME PAY FOR SOMETHING THAT I DON'T OWE THIS IS NOT FAIR AT ALL AND I'M STEADY GETTING DENIED FOR PLACES BECAUSE OF THIS
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (MI)

US Bank received my payment on XX/XX/23 and they are not posting it to may account until XX/XX/23, when my final payment is due. Though I have consistently paid early and on time, but now at the end of the lease, because I am purchasing the vehicle they won't post the payment they received and allow me to purchase the vehicle without extra fees because even though they have the funds due, they won't post the payment. I am not bankrupt, the payment has cleared my account. There is no reason to not post the payment and let me move on with my life without paying extra fees. Instead they want me to wait until after XX/XX/23 risk an interest rate increase, even though they have the money.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 consent.
Consumer complaint received 2023-03-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 XXXX XXXX XXXX.
Consumer complaint received 2023-04-26
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. (CA)

Accordance with the fair credit reporting act, the list of the account below has violated my federally protected consumer right to privacy and confidentially under 15 USC 1681. 

1-Account name XXXX XXXX Account number XXXX Charge off 2-Account name XXXX XXXX Account number XXXX Charge off 3-Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Late payment 4-Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Deadcharge off 5-Account name XXXX XXXX XXXX Account number XXXX Account type Collection Has violated my right.

15 U.S.C 1681 section 602 A. states I have the right of my privacy.

15 U.S.C 1681 section604 A. It's also states 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 reporting containing any of the following items information any other adverse item of information, other than the record of conviction of crime which intent the report by more than seven years 68 awesome 15 U.S.C. 1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency 's if the person knows or has responsible cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$550.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-03-15
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. (NJ)

I am writing to delete the following information in my file. The Items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-15
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. (LA)

RE : CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (PA)

In accordance with " The Fair Credit Reporting Act Convergent '', Equifax Mortgage XXXX on XX/XX/2022, XX/XX/2022, & XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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 my written instructions.
Consumer complaint received 2023-03-15
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. (AZ)

Subject : Fair Credit Reporting Act, Section 609 Dear TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX  ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : TransUnion XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (MI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (TX)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I make biweekly auto payments on my mortgage loan in the amount {$1200.00} each for a total of {$2400.00} a month. I call the company and they enter 6 auto payments at a time for me. My current required payments amount is {$1800.00}. The payment breakdown should be principle- XXXX, interest : XXXX, Tax and insurance {$430.00}, extra principal reduction XXXX, extra XXXX to excrow account. I always pay a month before for the payments are due, but my mortgage company delays posting the my auto payments in the correct account, becuase the put everything in a escrow account. I always to call the company to verify if the payments are posted to the correct account. They send me laye payment notices and try to charge me extra on interest and late fees. The extra {$120.00} principle reduction payment they reverse out the payment every month, and I don't know were the money goes. Then recently they sent me a escrow check for {$800.00}. When I try to stop the payment or send the money back, they refuse it. 
It's like I am getting penalty for doing the right thing and trying to pay my mortgage ahead. Not to mention the extra interest payments they are receiving for denial me access to earily payments. I called and talk to company multiple times ( 12 times ), I get the run around, and this whole experience is scary, because they are always saying my payments is late. 
I requested hard copies of my payments information and they refused. 
Can some please help me!!!
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CT)

True Accord claims I owe {$150.00} to XXXX  for a returned item, a purchase from XXXX, item returned via XXXX several months ago.. The item was purchased via XXXX XXXX, returned to merchant via XXXX, tracking ID not available.. Prior complaints were filed against XXXX  for attempting to collect on debt when item was returned and tracking ID provided to them..Regardless of return, XXXX still attempts to collect on debt after proving item returned by providing tracking info..If True Accord requires tracking info, please refer back to XXXX  whom it was provided to via CFPB complaints filed prior.