davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

Hello : I am contacting you with a copy of my email ( phone calls also made ) to my home loan service company XXXX Mortgage Servicing who has recently corrupted my class action law suit modified home loan agreement after taking it over from XXXX who got my loan from XXXX XXXX XXXX. My loan was modified per the settlement and up to date payment wise since XX/XX/XXXX and now suddenly this new company has altered my loan agreement by adding a self serving insurance product ( PMI ) funneling funds from my property tax escrow account set in up my loan payment agreement just for property tax. This unauthorized or advised PMI ( Property Mortgage Insurance ) product they 've added is causing a negative balance and disrupting the allocation of my online loan payments to this company and loan. I read that the practice is called loan padding and is rampant as of late even after the XX/XX/XXXX passing of the homeowners protection act. Can you please advise or assist me in seeking the right course of action as I am being run around by the company and building a negative balance even with making still my regular agreed payments. 

SincerelyXXXX XXXX XXXX XXXX XXXX, Florida XXXX : I called in and spoke to your customer service representative XXXX XXXX a week ago as well emailed you regarding the PMI mortgage insurance just added to my loan payment which your representative confirmed was an error since it was never part of my loan agreement and was never authorized. I advised I needed this corrected as its obstructing my mortgage agreement and payments and being taken out of my property tax escrow account. I had to make my regular monthly payment for XXXX made on XXXX XXXX online using the principal and escrow tabs as the scheduled total payment tab was still reflecting the erroneous amount. Now!! It looks like the monies where incorrectly disbursed, your still showing payment due for XXXX and I see monies from my property tax being scheduled for a premium payment disbursement to the unauthorized PMI insurance!! I am making screen shots should this not be resolved and I having to contact the district attorney 's office and legal representation along with the copies of my loan agreement which has NEVER had the PMI as part of it. I need your error corrected and my XXXX payment applied as per my agreement correctly. 

Loan:XXXXXXXX XXXX XXXX XXXX XXXX , Florida XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting 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. (NY)

Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CO)

Back in XXXX, I hired a contractor company to install a kitchen island with cabinets. I hired them because they did the kitchen in the house I bought end of last year. Once the contractor came I explained I wanted additional kitchen islands with cabinets. They spoke poor English, but still, at the end of the conversation, I had the impression that I would get an installed kitchen island with cabinets for a little over {$2000.00}. I paid the first {$1000.00} before they started work. So they could order the material needed. Contactors were super unprofessional, they were 3 times late and a couple of times they never even showed up when they promised to. As the work began, I saw they had already made a mistake regarding the height of the island. When I pointed that out they thrived to fix it and created not smooth-looking island with added height which you could see as obvious. There are a couple of chips on the quartz. Once they installed the quartz counter top they asked for the rest of the money. And said once the cabinets will be installed as we agreed in the beginning. But contractors were playing saying there were no cabinets ever, that I didn't say such a thing. The money I paid for is only for the countertop part, and I wanted cabinets that would be another {$1000.00} or more and they will see if they have time to do that even. 
I was really upset, and didn't know what to do or how to solve is matter. Because there was no contract whatsoever, everything was only verbally agreed on. So now I am trying to dispute with my Apple card ( Goldman Sachs ) the {$1000.00} payment. Since the contractors didn't finish the job and poorly installed the quartz countertop. But apple card is not approving my dispute. I disputed 3 times with them already. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (FL)

My wife a I were in the process of selling our current home. Therefore I contacted a local realtor to potentially rent a XXXX bedroom XXXX  after our house sold. I completed an application and I was approved. I gave the company a {$1300.00} deposit. Someone was living in the property at the time. The property was suppose to be available on XX/XX/XXXX. However the potential buyer of my current home backed out. I never took possession of the property. I never received a key to the properly. I never turned on utilities to the property. I never saw the inside of the property after their current tenant moved out. I contacted the realtor immediately prior to the current tenant moving out. I explained my situation and ask for my deposit back. The company refused to give my deposit back. They then rented the unit to another tenant just days later within the same month of XX/XX/XXXX. Unfortunately In XX/XX/XXXX I received a notice from a collection agency threatening to put a collection on my credit report in the amount of {$2600.00}. The original creditor never contacted me or provide any amount owed over the course of XXXX months. I never received any notice from the original creditor. I have no blemishes on my credit. This threat of reporting an inappropriate debt on my credit could possibly cost me tens of thousands of dollars, missed opportunities and a lot of time and distress. I would like these attempts to collect an erroneous debt to stop. I also would like to prevent any inaccurate debt from being reported on my credit. If the original creditor has any bases for this debt I would like an accurate detailed breakdown. 
Thank you for your time and consideration. Have a blessed day
Consumer complaint received 2023-06-03
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. (AL)

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 15USC1681 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (SC)

This is my FURTHER Complaint about being a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove/block any items opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; 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, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, CT XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance  : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX, and XXXX are reporting an account and balance that do not belong to me. I have sent a letter requesting deletion several times, but the account still appears on my credit report month after month. I have attached my letter of removal below. Thank you.oval below. Thank you.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (MA)

Received e-mail in XXXX from Credit Corp Solutions Inc., a debt collection company. E-mail claimed that I owed XXXX the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any XXXX services in more than XXXX ( XXXX ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted XXXX concerning the above, asking XXXX to verify the above statement and, according to XXXX, my account was in perfect order and I did not owe any funds to any person ( XXXX ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my XXXX account and found my XXXX account locked out. I contacted XXXX and they referred me to Credit Corp Solutions Inc . I requested from XXXX as to why my account was locked and XXXX would not give me any information and told me to contact Credit Corp Solutions Inc . 

I contacted Credit Corp Solutions Inc. and Credit Corp Solutions Inc. told me that, according to XXXX, I removed all funds from my XXXX account before funds could be paid out to certain parties. 
I informed Credit Corp Solutions Inc. that something is wrong and I never purchased anything via XXXX. I only used XXXX to sell certain items and never purchased any items and that XXXX will not allow anyone to withdraw funds if money is owed.

Credit Corp Solutions Inc. claimed they would look into the matter. Credit Corp Solutions Inc. would not identify any involved parties that I allegedly owed money to. 

Received letter from Credit Corp Solutions Inc., postmarked XXXX XX/XX/XXXX, stating that Credit Corp Solutions Inc. had acquired this alleged debt, in the amount of {$1100.00} from XXXX and that now I must pay this alleged debt to Credit Corp Solutions Inc .

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by Credit Corp Solutions Inc. except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since Credit Corp Solutions Inc. refused to identify actual parties making these alleged claims of funds owed, I believe one of two ( 2 ) things are happening here : 1. Identify Theft being my XXXX account was hacked and this is a failure of XXXX to protect their account holders or 2. There is a collusion between Credit Corp Solutions Inc. and XXXX to make false claims to extort funds from account holders.

I have reviewed Credit Corp Solutions Inc. ratings on the XXXX XXXX XXXX XXXX XXXX XXXX website and there are numerous filings with the BBB of complaints against Credit Corp Solutions Inc. for fraud, exactly as I have described my situation.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has reinserted an account that was from identity theft. Transunion has failed to block accounts from identity theft. That is a violation 15 U.S.C. 1681-1681 and 605b The reinsertion of identity theft accounts on your credit report is a serious violation of the Fair Credit Reporting Act ( FCRA ). When an individual is a victim of identity theft and fraudulent accounts appear on their credit report, federal law provides specific protections and procedures under the FCRA to help victims rectify the situation and remove the fraudulent information from their credit report [ 1 ]. 

If a credit reporting agency reinserts identity theft accounts that have been previously removed as a result of a dispute by the victim, it would generally be considered a violation of the FCRA. Reinserting this inaccurate information without proper verification goes against the FCRA 's provisions designed to ensure the accuracy and integrity of credit reports. Please remove
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CA)

I have previously contacted Upstart Network , Inc, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. Upstart Network , Inc also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. Upstart Network Inc shall promptly return all Federal Reserve Notes I have mistakenly sent them per 12 CFR 1026.11. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX shall stop contacting me about an alleged debt.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I use Simmons bank for my business banking, and have 5 accounts with them. I have a primary account that my credit card sales are deposited into and is tied to my debit card, an account that I move sales tax to, and account that I use to write checks out of, in order to prevent vendors from charging my card and drawing funds before a check is deposited. I have scheduled transfers to from the primary to the tax and account I write checks from, however, instead of declining the transfers like they do with my manual transfers, they are allowed to process and then incur overdraft fees. 

When I reached out to Simmons, they told me that it was part of my overdraft protection and that I couldn't turn it off without turning off all my protection. I don't understand why the scheduled transactions would be allowed to go through, but the manual transfers are blocked. I try to be very diligent about preventing overdrafts, but this is surprising and disappointing.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (IL)

On XXXX XXXX, 2023, I mailed a power of attorney to American Credit Acceptance , LLC and a letter expressing that I was the BENEFICIARY and or AGENT for the PRINCIPAL DEBTOR and I requested the CFO of American Credit Acceptance , LLC to transfer the credits from the Principal Balance to the Principal Account for Set Off on the Security Account being managed in Trust for the Principal Debtor and I was denied. American Credit Acceptance , LLC refuses my acceptance of the coupons and or bearer bonds and or presentments and or XXXX XXXX XXXX, denying my tender of payments and after numerous failed attempts to tender payment, I requested a payment investigation that I never received an answer for, so I also requested a Full Securitization Audit for my account, as well as the original contract and or Installment Loan and or Security Agreement between us with my wet ink signature, along with proof that my Original Promissory Note and or Security Agreement and or Installment Loan had not been securitized discharging all debt. Instead of American Credit Acceptance , LLC sending me the documents, they sent a letter stating that they deny my assertions yet never giving any rebuttal for my above demands. After this attempt, American Credit Acceptance , LLC hired a third party XXXX XXXX that I dont have a contract with, giving them my private source data information without my authority or the authority of the PRINCIPAL DEBTOR to repossess my vehicle against me asking them not to before I could receive information about my account for my accounting purposes in order to address payment issues. The repossession was a Breach of Peace because American Credit Acceptance , LLC, hired a third party repossession agency without giving me an Arbitration Order or Court Order and ( XXXX XXXX ) repossessed my vehicle after I asked the towing and or repossession employee not to take my vehicle because I had a public interest filed on the vehicle which is used for family and household purposes which will cause damages to my livelihood and the towing and or repossession employee hooked my car up to the tow truck and took my vehicle anyway and this took place at XXXX XXXX on XX/XX/2023 at my apartment in Illinois. I never surrendered my rights or interest in the vehicle, neither did I default in non payment because American Credit Acceptance , LLC has accepted multiple late payments for the Account in the past if that was the issue and I had a payment investigation in process before the repossession
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have two Capital One cards : XXXX. Venture XXXX no : XXXX XXXX XXXX XXXX XXXX. Spark Business no : XXXX XXXX XXXX XXXX Around XX/XX/XXXX, I discovered both of my Capital One credit cards were shown as restricted on the app. I called customer support and was told that both accounts were closed due to eight returned payments in XXXX XXXX. I told them the payments returned were not for the payment due but for mid-month payment to reduce the balance as I was charging in high amounts and more than my credit line. I also told them the retuned payments were due to a bank error on my XXXX app which was reflecting different available balances on the account ending in XXXX which had the many of the returned payments. I also sent a screen shot of my app which shows the problem. 
Please note, none of the returned payments were for the initially monthly payment due and I have never been late for a payment on Capital One nor any other credit card company payments. I have a stellar credit rating. 

Wrong on Capital One : XXXX. Not informing about violations : Capital One never informed me about any violations of terms of service and not even a waring which would result in a closure of my accounts. They should have provided a warning that I was in violation of the terms of service and any further violations may result in cancellation of my credit cards. This would have greatly helped managing and correcting the problem immediately, which I eventually did. 

XXXX. Forfeiture of my earned points : Capital One 's decision to wrongfully confiscate points which belong to me and not allow me to transfer the points to my choice of reward partners is theft and fraud. I think this may be a trend to try to cancel high volume point accounts so the company can avoid honoring the point commitment. In my two accounts. 
XXXX. Ending in XXXX, I have XXXX points XXXX. Ending in XXXX, XXXX points. I feel it is very wrong for Capital One to close my account for any reason and keep my combined XXXX points.