davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (TX)

Remaining balance of {$2200.00} has been on my credit for over a year, for a vehicle that will never be driven again because it was totaled. I want it removed asap because it shows up as a repossession which puts me at a halt to get other vehicles.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off my credit report. 

You can't go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers " Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX ) and others who furnish third party disputes free of charge, etc.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ XXXX, XXXX, and Experian ].  Customer agents could not provide me with a credit report via mail.
Consumer complaint received 2022-08-18
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. (LA)

Yes I feel I have been a victim of identity theft so I spoke with the bureaus about it several times and the matter still hasnt been resolved. I have inquiries on my report thats inaccurate!!!
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (IN)

XX/XX/XXXX I was rear-ended endured hardship with casualty loss resulting in a change of circumstances. I reached out to Village Capital & Investment who owns XXXX XXXX   concerning recent changes on XXXX. I was informed at that time " this mortgage company couldn't help me in any way there were no hardship assistance programs for me to apply too. '' I was informed " to go to a church and ask for assistance. '' I informed them that I would be seeking legal advice concerning this matter. XX/XX/XXXX Village Capital called stating that I could apply for Loss Mitigation asked if I was able to start making payments XX/XX/XXXX. I replied yes XX/XX/XXXX payment made on XX/XX/XXXX my account was blocked and a XXXX Sheriff was sent to my home stating I was being summons to court for foreclosure of my property cause no.XXXX. The judge was informed that my TILA rights were violated and I was denied hardship when their own website states they have assistance for clients in need of hardship. My PMI is excessively high. Under Predatory Lending Village Capital hinder me the ability to receive services for repaying debt, charged me excessive or hidden fees, tried to force me into foreclosure, denied my loan modification, breached of lending liability law, deliberately made it hard to repay loan, violated dual tracking law, esscrow fraud. A representative from XXXX XXXX XXXX XXXX contacted me in XXXX until balance agreed upon by Village Capital was reach in XX/XX/XXXX in the amount of {$15000.00} included late fees attorney fees, property and insurance taxes, mortgage debt, monthly home inspections, and court cost. My payments were to resume XX/XX/XXXX. Village Capital received double payments for the months of XX/XX/XXXX check # XXXX ; XX/XX/XXXX # XXXX ; and XX/XX/XXXX # XXXX. Village Capital refuse to refund the three months of double payments, when questioned they later sent racketeering fees in XX/XX/XXXX stating I owed an additional {$700.00} that wasn't included in agreed amount during court. From XX/XX/XXXX till XX/XX/XXXX they reported to the credit bureau that I never made those above payment or disclosed that XXXX  XXXX paid balance in full per court agreement that my account was back in good standing. Village Capital never sent my mortgage W2 forms for XXXX for the months of XX/XX/XXXX till XX/XX/XXXX. My account was blocked from XX/XX/XXXX till XX/XX/XXXX was unable to print off W2 form for my taxes.
Consumer complaint received 2020-02-11
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. (MO)

I Have disputed XXXX XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX XXXX XXXX - XXXX XXXX AMOUNT XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights.

Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations.

Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

I do not owe Common Wealth Financial for a debt. I did not go to the hospital on the date they have listed for this transaction XXXX/XXXX/2013. I have had to dispute items with them before and they were removed because they were placed in their office in error and I believe that this had been placed within there office as an error again as well. I have a previous letter of Placement in error from them for past issue with this company.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX added a bogus collection to my Experian account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my Experian Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe. I tried to dispute it online with Experian, but I kept getting the error that's attached on the website and on the app. I had to call Experian Customer Service, and they couldn't tell me why I wasn't able to dispute anything. She told me that she opened a dispute on my behalf, but it appears that they did not do any due diligence, because there is no way this debt is real. I've even googled the company and I can't find their website.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

United Collection Bureau, Incc. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has been sending me mail for several years now. It goes like this : Creditor : XXXX XXXX XXXX XXXX ( I HAVE NEVER HAD AN ACCOUNT WITH THEM! ) Last Four Digits of Creditor Account Number : XXXX ( NEVER HAD A CC WITH THEM ) UCB, INC. Reference Number : XXXX Account Balance : {$540.00} In regard to my XXXX XXXX account. Great News! UCB acting on behalf of XXXX XXXX XXXX XXXX is offering you the following settlement offers : ( then various options follow, with {$150.00} if received by XXXX ) I've checked with XXXX XXXX and they don't know what this is about. I'm on extremely good terms with them, as they've outfitted my home with audio and TV for years now.
Consumer complaint received 2020-02-11
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 (CA)

In XX/XX/XXXX We called Capital One concerning problems about getting on to our account at that time they did not tell us that there was fraudulent activity on the cc account at that time, even though they knew of it. Later in XX/XX/XXXX we called again asking what was the problem. Then in XX/XX/XXXX of XXXX we were then told of all the fraudulent activity going on with the account and that they would send us another credit card and close the old one out and told us that they would take off the fraudulent charges. On XX/XX/XXXX we called capital one again this being the 6th time because we were kept on hold several times for over 30 minutes, that my birthdate did not match what I told them. I then proceeded to tell them it was internal fraud. They also put all the charges BACK on my CC because they deemed it not fraudulent charges. I have since called them 6 more times, only to be told that my birthdate doesn't match and there is a problem with my account ... ... .. I have sent 2 letters asking them to resolve this issue, since they had not sent the new CC for this account I have no way of discussing this issue without giving them the old account #. Almost all of their customer service reps. are unwilling to help for whatever reason.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (TN)

After receiving a direct deposit and on or about XX/XX/24 my account showed a {$0.00} balance after a ach withdrawal of {$690.00} was withdrawn from the account either through transfer or withdrawal, sometime after the missing funds was placed back into the account and the bank failed to list the transaction under the transaction history and have no record as to how the withdrawal was initiated. There are other funds possibly missing and the bank has failed to analyze the account for unauthorized activity as this is an ongoing issue.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX has removed three of the items that are being reported as 'closed ' collection items. They are from XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am not able to retrieve a credit report by using my tax identification. I do not have a social security number. I contacted all three credit bureaus [ Transunion, XXXX, and XXXX ]. Customer agents could not provide me with a credit report via mail.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: MECHANICS BANK (CA)

I did maintain a Mechanics Bank, for professional business account, and was during the time mine account was opened, arrive in person, in order cash, at deposit a secure legitimate jurisdiction, insurance type check, written to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
applies attend mine at Mechanics Bank, mine for professional business juris. 
The check was submitted for deposit to be cashed available for transactions, at secure attends mine Mechanics Bank, for business account, although a serious problems arise when the check failed a timely, for cash jurisdiction, it, the cash, released funds be made available to me the account holder, owner, of XXXX XXXX XXXX, and document company, XXXX XXXX XXXX. 
Mine available submitted insurance type check, that should have been add confirmed to cash, within 3-5 business days, was held unnecessarily, of at an attends Mechanics Banking , then contracts, for period exceed 10-days, cause me injury, upset VA XXXX XXXX XXXX XXXX XXXX, compel me use of VA prescribed medications, cause severe at mine professional legal business, XXXX XXXX XXXX XXXX XXXX  XXXX, damage to special legal document project, and monetary loss, especially that apply business jurisdiction.
Consumer complaint received 2022-12-15
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. (GA)

XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the Accounting of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.
Consumer complaint received 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (RI)

In XXXX of 2021 I received notice that my mortgage is increasing from {$1100.00} per month to {$1700.00} per month. They said because taxes have gone up. Property taxes on my house is {$4300.00} per year. They told me that they have increased to {$7800.00} per year. I contacted the town of XXXX, RI and asked them if this is true. They told me NO it is not. Then Amerihome Mortgage Company said it is a UTILITY tax placed on by my town. Again I went back to the town hall and they said there is no such thing in this town or in the Stated of Rhode Island. I again went back to Amerihome and I sent them a copy of my Property Taxes and they said they would so some research on it. When I called they would not give me a copy of this Suppose Property Utility Tax. Nor would they tell me where it came from. I contacted several other mortgage companies here in Rhode Island and they said they never heard of it before. Amerihome refuses to give any evidence showing this so call Utility Tax. Can anyone help them from trying to steal from me.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TN)

Newrez manages my mortgage payment and escrow account. This situation started when I switched my home owners insurance policy and I sent all policy information to Rewrez as instructed. I needed that insurance payment removed from escrow because I paid it upfront in full to my insurance provider. They added the insurance provider to my escrow account and paid it again, which sent my escrow account into the negative. Initially, online, I tried to make my monthly mortgage payment and a payment to escrow to bring up the escrow deficient after they paid the home owners insurance policy ( they were told not to pay it ). The payment on XX/XX/XXXX was sent to the wrong bank. There is no way to verify, online, payment sources and that option is not available in their payment portal. I will accept that responsibility of not updating my banking information on payments returned as NSF due to the incorrect banking institution being listed in their system. On XX/XX/2024, over the phone, I made a lump sum payment to cover my monthly mortgage ( {$910.00} ) for XXXX and an escrow payment totally {$1500.00} ; and updated my banking information.This transaction in the amount of a lump sum payment of {$2500.00} was posted to my banking account on XX/XX/2034 to cover the monthly payment and escrow payment. 

Newrez, on the same date I made the {$2500.00} payment over the phone, added {$1500.00} to escrow and then deleted it stating the bank returned this payment, which they did not and applied my monthly mortgage payment for XXXX in the amount of XXXX. These two payments came out of the {$2500.00} they collected on XX/XX/2024. 

After several phone calls, sending them documentation, and hours of listening to nonsense telling me my XX/XX/XXXX payment in the amount of {$2500.00}, which posted as paid by my bank on XX/XX/XXXX was rejected by my bank, they finally applied the {$1500.00} from the XXXX payment to my escrow account today BUT also today I received a call from collections telling me I didn't make my XXXX payment ( made on XX/XX/2024 ) and then tacked on a late fee for a payment posted on XX/XX/2024 and cleared my bank on XX/XX/2024. So I have no idea what they have done with my XX/XX/XXXX loan payment, and neither do they as evident by a collections call today saying they never received the XXXX payment. This fiasco has been going on for weeks, and I'm done. They just keep compounding their mistakes and who knows where my XXXX payment of {$910.00} went to. I can't find any relief.
Consumer complaint received 2021-07-24
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: Receivables Management Partners, LLC (AL)

I sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I was approved for the HAF Home Owners Assistance program 18 months forward payments. My mortgage company claims they have not received any information or payments from HAF, but according to the Department of Economic Opportunity for the State of Florida, they SENT the payment on XX/XX/XXXX. My mortgage company, for the second straight month, is not applying state funds that were sent to them with the directions of being applied towards my monthly mortgage payment
Consumer complaint received 2019-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My Home Equity loan servicing was transferred on XXXX from XXXX XXXX XXXX Specialised Loan Servicing LLC. Under XXXX my monthly payment was {$220.00} ( as agreed ) but Specialised loan Servicing is charging {$370.00} and also charged me interest backdating to the year 2009. 
My mortgage statement shows that I owe them {$40000.00} plus principal and the {$40000.00} needs to be paid immediately in order to make account current. 
I contacted my current servicer and tried to make arrangement to continue with $ XXXX monthly payment and told them that I disagree with the charges dating back to 2009.
Consumer complaint received 2020-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I spoke with one of Experian 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX  - XXXX XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX