davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (IN)

THIS ACCOUNT IS STILL SHOWING ONN MY CREDIT REPORT AND I MAD MANY COMPLAINTS WITH THE COMPANY AND ASKED THEM TO FIX MY PRODUCT BECAUSE IT WAS POORLY MADE MUST HAVE BEEN DEFECTIVE AND THEY GAVE ME NO HELP. THIS COMPANY IS KNOWN TO SELL POOR ITEMS AND IGNORE CUSTOMER REQUEST FOR HELP. 

{$670.00} ACCT XXXX XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2021-05-01
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. (NY)

Attention to XXXX  and Transunion : I am a victim of Identity theft. There is a fraudulent collection account that is reporting on my credit report that I need removed expeditiously. I filed an Identity theft report with the federal trade commission which I will upload along with proof of my Identity. I am in the process of renting a property and this has tanked my credit score. It is a defamation of my character. I am urging you to please help me resolve this manner. In order to qualify for a block, Appropriate proof of my Identity which is uploaded. A copy of an identity theft report which is also uploaded. The identification of such information by the consumer which is on the identity theft report. This collection account is not information relating to any transaction of mine.
Consumer complaint received 2020-06-04
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: CREDIT ACCEPTANCE CORPORATION (WA)

Recently while applying for a home loan I discovered I had been the victim of identity theft. Someone had used my information to open a fraudulent account with a lot of business and company. Including Telecommunications, Credit Cards, Cash loan, Car Loans and Bank accounts. This is not my account and I have enclosed a police report indicating this. I have attempted to dispute this information with the collection agency but have made no progress.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2022-04-26
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. (KY)

This is my second attempt to remove these fraudulent accounts from my credit reports. My first attempt was sent back to me by the CFPB stating it wasn't me submitting it. This is me!!! XXXX XXXX, so please forward my complaint to the CRA 's!!
Consumer complaint received 2021-06-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for forbearance prior to XX/XX/2020, with USAA. USAA accepted my forbearance request. I have a VA loan and was current when I entered forbearance. I remain in forbearance. 

I have had a loss claim on my home. The roof needs to be replaced due to hail damage. My insurance issued me a check to make repairs. USAA is a co-payee on the check. USAA is treating and tracking my account as a deliquent account due to the forbearance status. They will not release the insurance proceeds so that I may have the home fixed. 

The loan should not be characterized as deliquent provided I was current at the time I entered forbearance.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (NJ)

This is a follow-up complaint against Homebridge financial ( previous complaint # XXXX XXXX. 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

Homebridge said they would remove the negative credit reporting. My credit history still reflects negative reporting from homebridge. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsHomebridge told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my XXXX I paid Homebridge what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX  in the XXXX  ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and homebridge is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with HomebridgeXXXX over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but Homebridge is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from homebridge, and transcribed copies of the recording/conversations.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXXAccount Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (ME)

We have a mortgage with TD Bank. We have been working diligently to pay it off. From XXXX to XXXX I paid them {$7000.00}. I made the payments online exactly how I have for years. To my surprise in XXXX I showed as having a late payment. They had not correctly allocated the payments I made. They said it was all fixed yet couldn't provide me with detailed transaction statements to show that I was correctly credited and wasn't charged additional interest. 
On XX/XX/XXXX I transferred {$8500.00} from another bank directly to the mortgage loan. It showed they received it on XX/XX/XXXX. However, this money is sitting as " Misc Receipt '' since XX/XX/XXXX and they have not put it towards my loan. I am paying daily interest on this loan which should have been paid off last week. 

PLEASE ASSIST!! 

XXXX XXXX
Consumer complaint received 2020-06-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (HI)

I recently moved. Got a new phone number. Secured new employment. But I got behind on my bill. Chase Bank removed my new phone number off my account so that I couldn't log in to make a payment. I have called them and requested my phone number be added back to my account but they will not comply. I have been a great customer for over a decade with out any late payments, but the moment I get behind they withhold my account information from me so I can't make a payment. This is absurd and a dirty tactic. If this violates any laws or regulations I hope they get fined severely for this. I'm just trying to make my payment and now the only option they've left me is to call and make it over the phone. That is unacceptable. Please help me.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (MS)

This tradeline was sold to an attorney for collection. The attorney collected the entire loan amount plus attorney fees. When I logged on to the original account it showed a balance owed still. I contacted them via chat and she stated they are no required to update the balance on their end and it is still a collectable loan ....
Consumer complaint received 2021-04-09
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. (NV)

A fraudulent Bankruptcy is being reported. This Company reported the data provider as The US XXXX  Court In XXXX. Additionally, they listed XXXX as a provider of the public record. Documentation from the Court in question and The Data provider XXXX XXXX has been provided. XXXX has requested the item be removed and denies the confirmation of the reporting.
Consumer complaint received 2021-10-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: IOWA BANKERS MORTGAGE CORPORATION (IA)

I have been struggling to work with Iowa Bankers since my first delinquent date of XX/XX/XXXX. I had expressed my financial hardship that caused me to fall behind. I was self employed in the past and my business went under causing me to fall behind. I immediately contacted Iowa Bank for assistance but got nowhere fast. I then landed another job paying a lot more. I was hired on with this new company on XX/XX/XXXX. I recently submitted to Iowa Bank for XXXX  XXXX  flex modification and was quickly denied for help. The mortgage servicer stated the reason for denial was my payment was to increase because of my new income. Yes, my income is 3 times greater than what I was making before which was what caused me to get behind. Based off my income I do have over {$900.00} of disposal income available to afford a higher payment if needed, I am not asking for a hand out I just need help with my mortgage getting current. I don't have the {$16000.00} needed in back payment but if they can place it to the end of the loan I will be more than happy to repay it. The lender has not offered me any assistance or repayment plans the only thing they have offered is short sale or foreclosure. Also what is very concerning while under review since XX/XX/XXXX Iowa Bank has had a foreclosure sale date on my home of XX/XX/XXXX which I advised them many times this is dual tracking of foreclosure the denial letter they sent me is dated for XX/XX/XXXX.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have presented Bank of America with disclosure of concerns pertaining the fraudulent use of my account and identity theft. Bank of America has noted that an address that I did not authorized was associated with the account and confirmed that to this address a debit card was sent out. I reported that from the opening of the account, I have not received a card for the account. Further, the account was compromised and debits continued to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make charges to the account. I have presented my concerns to several parties representing Bank of America, who did not address the concerns of fraud and identity theft appropriately and instead made request for payment for a debt that is not mine. I have requested that the monies that were debited from the account as a result of fraud be credited to the account and the accounts have been close at my request. I have made the credit bureaus aware that I have been a victim of identity theft.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MA)

I have presented American Express with disclosure of concerns pertaining the fraudulent use of my account and identity theft. American Express has noted that an address that I did not authorized was associated with the account and confirmed that to this address a credit card was sent out. I reported that from the opening of the account, I have not received a card for my account. Further, the account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make charges to the account. I have presented my concerns to several parties at American Express, and to this date there exists failure to address the concerns of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Sent equifax and XXXX documents from XXXX XXXX and court house that bankruptcy was removed from their file but they refuse to remove it. They both sent me the same letter stating that information was verified though XXXX XXXX when I sent them the documents that XXXX XXXX had taken it off my file. I have called them both several times to resolve this to no avail.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I would like to file a formal complaint against XXXX, Equifax and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA because they 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failure to respond to a dispute within 30 days 3. Failing to provide the method of verification. Including the real name, address, and phone number of the furnisher within 15 days of your request.

4. Failing to notate that an item on your credit report is under dispute after a creditor or debt collector has reported the dispute.

5. Failure to provide all relevant info ( sign contracts, etc ) In XXXX I contacted several collection agency 's including XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX requesting to validate the alleged debt. These collection agency 's never responded to my request. 

In XX/XX/XXXX I contacted XXXX, Equifax, and XXXX  requesting an investigation in which the results returned as verified and met FCRA standards. How is this possible if the collection agencies never responded to my dispute request? They also never even notified the collection agencies that I was disputing the debt. 

In XX/XX/XXXX I sent a follow up request asking that the accounts be verified, which grants them 15 days and they never responded in the allowed time frame as well. They continued to report the accounts were verified. 

In XX/XX/XXXX I sent a third request again asking to have these inaccurate accounts, removed and updated. My request has once again been ignored. 

THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. 

XXXX, EQUIFAX AND XXXX HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNTS!!
Consumer complaint received 2018-12-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc. (TX)

I settled out an auto loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I have a letter from the credit union dated XX/XX/2018 indicating I settled out the account for {$3500.00}. I received a collection notice from R.A Rogers dated XX/XX/2018 indicating I owed {$6800.00}. I called the credit union on XX/XX/2018 and I spoke to a representative at approximately XXXX indicating the loan had been settled, I asked how the agency got my information and thought I owed the bill. I was told the credit union never notified the collection agency I had settled out the account.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IA)

The end of XX/XX/XXXX I received a notice that my payment would go from {$650.00} to {$770.00} due to escrow shortage. I called the mortgage company and spoke with the lady who is my contact I spoke to her on XX/XX/XXXX she took my payment by phone I told her my concern about the increase she switched me to another single point of contact on XX/XX/XXXX i left a voicemail XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. Then I was sent to another contact on XXXX lm, again on XX/XX/XXXX mailbox full, then XXXX contact on XXXX lm, XXXX lm twice, XXXX lm 2 times and XXXX lm. I then called initial contact on XXXX and again XX/XX/XXXX XXXX  response. I think after 2 months it should be resolved. Poor customer service.