davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

On XX/XX/XXXX, I logged into my online account to make my mortgage payment, only to see that the payment due was now more than {$200.00} than it was on XXXX, XXXX. 
At first, I thought it might be some sort of penalty or other annual fees, because I hadn't received any notifications of a payment change. Checking my account showed no late, penalty, or other annual fees having been charged. Then, I thought it must be an escrow shortage, so I looked through all of the documents saved in my account ( it's set to paperless ), and found no notifications that I was going to have an escrow shortage or any break downs of account analysis. I then messaged the company via their online message form to ask them to explain the payment increase. 
Their response indicated that I would have an escrow deficit of ~ {$1900.00}. Given that my previous payment amount was {$1600.00}, and the new payment amount is {$1800.00}, I explained that the math wasn't working for me. The increase itself is ~ {$210.00}, which equates to an annual increase of approximately {$2600.00}, which A ) is far more than the deficit they're reporting, and B ) doesn't account for the portion of my previous payment that was already earmarked for deposit into my escrow account. I also asked if I should expect this new payment amount to take effect in 60 days, as I had never received notice or advice from them regarding the escrow deficit. 
Their response was to first post the escrow deficit notice dated XX/XX/XXXX to my account. Time stamp on the email notification I received advising me of the new document was XX/XX/XXXX. They then used the intercompany messaging portal to advise me that my payment was not increasing by {$210.00}, but by {$150.00} ( which would be a payment amount of {$1700.00}, not the current payment amount of {$1800.00}. They did not address the lack of notice at all. 
I fully understand the concept of annual escrow review and payment adjustments, but I object to the lack of notice, and it seems that they do not have their accounting straight and they are unwilling to explain or justify.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have received several notices from Bayview Mortgage that my payment is delinquent and my loan is now in default. I have attempted to contact them on numerous occasions to rectify the matter but Bayview has been unresponsive. I have also sent them a certified letter trying to resolve the issue but they have not responded. 

My account is fully paid to date. I have sent them documentation of checks sent going back to XXXX 2018 and Ive never missed a payment. 

The accounting error is with Bayview and stems from their attempt to place forced insurance on the property. This increased my escrow amount substantially and so my regular monthly payments were recorded at deficient. I contacted XXXX XXXX of the Bayview insurance department by email who indicated to me that she has removed the forced placed insurance as I provided her with adequate documentation of other insurance. She instructed me to contact the escrow department asking for an escrow review which I did to no avail. 

I am continuing to received calls and letters from Bayview that they intend to foreclose on my property.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on TransUnion. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on TransUnion, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also have a Ftc Report and a police report.
Consumer complaint received 2019-12-30
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. (FL)

I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, XXXX and Trans Union have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-30
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. (TN)

I have submitted complaint against Equifax handling of this readded fraudulent item on my report called XXXX XXXX/originally XXXX as an ordinary dispute process, when it should have been deleted. I will be seeking legal representation in this matter, because this particular bureau is completely handling fraudulent items in a manner of unimportance and it is not right at all. This same item was listed on all three bureaus, which they have deleted readded item except for Equifax. I am having to have this displayed on my report when it is not mine. I have provided letter from XXXX stating it is not my account and this item still shows on my report today!
Consumer complaint received 2019-12-30
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 have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it Experian, XXXX and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof Experian must remove the accounts listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I purchased ( 2 ) airline tickets on XXXX XXXX XX/XX/2020 on my Capital One credit card. 

XXXX XXXX cancelled the flights and I disputed the charge with XXXX XXXX and Capital One and received ( XXXX ) Purchase Adjustments for {$410.00} on XXXX XXXX, 2020. 

On XXXX XXXX, 2020, XXXX XXXX issued a refund to my credit card for the ( 2 ) airline tickets. 

On XXXX XXXX, 2020, Capital One issued ( 2 ) Transaction Rebills to reconcile the purchases and refunds. 

On XXXX XXXX, 2020, Capital One mistakenly charged a 3rd Transaction rebill for {$410.00}. I phone Capital One on XX/XX/XXXX to dispute this mistaken 3rd charge and after more than 1 hour Capital One stated that the mistaken {$410.00} charge would be reversed before my XX/XX/XXXX statement closing date. I called Capital One again on XX/XX/XXXX to request reversal of the mistaken {$410.00} charge and was informed it would be reversed before my statement date. I also disputed this mistaken charge by certified mail to Capital One - there is no other option ( online or otherwise ) to dispute credit card charges with Capital One. 

Capital One finally reversed the mistaken {$410.00} charge on XX/XX/2020 - nearly XXXX weeks after it was promised. Capital One 's failure to reverse the charge impacted my credit report and credit score XXXX from a XXXX to a XXXX ). 

Capital One is currently repeating the same misconduct with a second disputed airline ticket for a canceled flight with XXXX XXXX. I disputed the XXXX XXXX charge by certified mail on XX/XX/XXXX ( received by Capital One on XX/XX/XXXX ) and spoke with Capital One on Thursday, XXXX XXXX, 2020. Capital One said that the charge would be reversed pending investigation in 2-3 days. I called Capital One again on Saturday XX/XX/XXXX and Tuesday XX/XX/XXXX, but the disputed charge acknowledged by Capital One has still not been reversed contrary to Capital One 's statements to me on XX/XX/XXXX and XX/XX/XXXX. XXXX, Capital One 's misconduct is adversely impacting my reported credit limit, credit report and credit score.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

*** XXXX***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry from XX/XX/XXXXTelephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX Inquiry from XX/XX/XXXXFurniture, EtXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX  Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc.

XXXX/XXXX  Inquiry from XX/XX/XXXXComplete Dept. Stores XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle Sales/XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** Transunion***Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX   Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

For over two years this lender has misreported my auto loan. On XX/XX/XXXX I emailed XXXX ; informing that the credit reporting agencies ( Experian, XXXX, XXXX ) were not displaying timely and accurate information. On XX/XX/XXXX, I emailed XXXX saying the same thing. On XXXX I visited one of their branches. I spoke with XXXX XXXX. Finally the CRAs were updated with an accurate balance of {$6400.00}. However my payment history Since XXXX has not been reported. I have followed up with multiple emails since XXXX of XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to fix this. Ive paid this auto loan in full on XX/XX/XXXX. However, the account still shows inaccurately across the credit reporting agencies.
Consumer complaint received 2019-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (NC)

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Consumer complaint received 2023-01-23
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. (TX)

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 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-29
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: DISCOVER BANK (NV)

I'm a person of integrity. I've worked hard to have a stellar financial reputation. However, discover has poisoned me for almost 7 years now. They keep repeating a fraudulent account onto my XXXX  credit report. I've disputed and disputed to no avail. I've requested to be shown original documents as I'm entitled to under section 609 of the fair credit reporting act and neither discover nor XXXX  complied. This is my last attempt to have it removed before I seek Justice via trial by jury as outlined in the 7th amendment of the Constitution.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

BANK OF AMERICA has shut down my personal checking account and credit cards without consent. BANK OF AMERICA has caused me alot of harm because there was a fraudulent debt collector who was collecting about {$60.00} from me weekly so I disputed it with BANK OF AMERICA and they credited me the amount that was taken. The fraudulent debt collector sent BANK OF AMERICA a fraud copy contract which is not sufficient evidence of alleged debt according to 15 USC 1692g and BANK OF AMERICA reversed the credit they gave me putting my account in the negative. Because my account went negative even though I tried to pay my account back to a positive balance BANK OF AMERICA has closed my personal account and personal credit cards causing me to lose money and causing me a lot of harm mentally and physically. BANK OF AMERICA has discriminated against me by denying me my right to credit according to 15 USC 1602f. BANK OF AMERICA is in violation under 15 USC 1602p for using my credit card to where I receive no benefit because I have been abused by BANK OF AMERICA. I have lost sleep i feel abused, abandoned, forgotten, not taken seriously, and extremely violated even though I have tried to settle the matter. BANK OF AMERICA has not responded to my affidavit so there defaulted and know they are operating in BAD FAITH and have performed consumer misconduct. This ill will act from BANK OF AMERICA has caused me to lose faith in the banking system and I am no longer willing to extend my credit.
Consumer complaint received 2019-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY) (NC)

I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.
Consumer complaint received 2019-12-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On or around XX/XX/XXXX Transunion received my Identity theft package with FTC theft report. On XXXX XXXX I called Transunion to ask has the fraudulent info been blocked, he said it would take 30 days. According to FCRA 605 ( b ) the information should have been blocked within 4 days of receipt of Id theft claim. Transunion is not honoring and breaking the law at the time of this complaint XX/XX/2019
Consumer complaint received 2019-12-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

XX/XX/2019 This is the second time that I have reached out to Experian in reference to inaccurate information that is being reported on my credit report. I never received any correspondence in the mail and there has not been any updates with incorrect items on my credit being removed. I have also reached out to the companies who are reporting the collection & charge off accounts and requested VALIDATIONS and I have not received the requested information either. If this issue is not resolved. I am prepared to file a civil lawsuit against Experian for reporting incorrect information without proper validations if the debts and damaging my reputation. 
You have ignored my request to provide me with the documents that you have in your files that you used to VALIDATE the disputed accounts which means that you have NOT VALIDATED or you can not VALIDATE any of these accounts and under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be VALIDATED. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be validated or deleted immediately. 
1. XXXX, XXXX ... ... XXXX ... ... ... UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 4. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 5. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 6. XXXX XXXX XXXX  ... ... XXXX ... .UNVERIFIED ACCOUNT 7. XXXX XXXX XXXX ... ... .XXXX  ... ..UNVERIFIED ACCOUNT
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clark County Collection Service (NV)

I had a medical debt for under {$400.00} land in XXXX XXXX XXXX XXXX. They added {$100.00} to the medical bill. 3 years later the colection company summons me To court and added {$650.00} or so in lawyer fees. I attempted to approach the court but so many obstacles. I reached the collection agency and paid them {$220.00} for the medical debt owed. They sent me a letter with attempt to Default and were looking at garnishing my wages. Finally, I went to the office in person and settled for {$360.00} ( owed {$590.00} ) I made them Give me a written receipt and to lift and court judgements against me, I am furiating that this company charged me interest and lawyer fees on. Medical debt under {$300.00}. I can not afford this large payment but they gave me no choice or having to take it to court. Is this legal to add interest to medical bill?