davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

This is a follow-on to complaint XXXX. To re-cap, I was hired for continued government service with my previous employer to work overseas. This hire occurred in XX/XX/XXXX We knew there would be substantial time before I left. We contacted Amerihome Mortgage company OFFICIALLY XX/XX/XXXX to ask for the request paperwork for an assumption of the loan to take my name off the mortgage. We did not receive the document until XXXX XXXX. I have email traffic proving I sent a PDF filled form back to the assumptions email box on XXXX XXXX. On that day, we did call Amerihome to verify it was filled out correctly before sending. The auto response email stated to give 7-10 business days. We did that, but did not hear anything. This prompted my first call on XX/XX/XXXX to find out info. Unfortunately, no-one can talk to assumptions directly so we had to talk to customer service. All they can do is email assumptions. Many calls later and emails to assumptions, no response from assumptions, I even talked to the escalations department who tried. No response. Again, this was just to request the assumptions packet! Finally, XXXX XXXX XXXX emailed us the package on XXXX XXXX, followed with a phone call on XX/XX/XXXX to assist with filling it out. We filled it out and sent it to XXXX on XXXX XXXX. Then, my girlfriend was asked to send a copy of her social security card so assumptions could send to underwriting. It was received on XXXX XXXX. It's disturbing to know that the company 's response from my previous submission happened on XXXX XXXX, but the individual responding did not know the most current info! Currently, there still is a problem. It seems XXXX XXXX may have quit and we do not have a contact anymore. Has the package been sent to underwriting? The length of time this has taken is ridiculous. I am set to leave soon and we still do not know what's going on! Spoke to Escalations again on XX/XX/XXXX, call reference XXXX. No response yet. In the company response on my previous submitted complaint, XXXX XXXX gave her contact info so I called. Of course it went to voicemail, and the name was a different person. Left a message anyway. No return call. This process has added stress to an already stressful situation with my move. With no real ability to talk to anyone about the progress of our submission, we are in the dark. Not a great place to be. Amerihome should be ashamed!
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On Sunday XX/XX/XXXX at approximately XXXX and on Monday XX/XX/XXXX at approximately XXXX, {$300.00} was fraudulently withdrawn from my checking account via ATM withdrawal. This was not an authorized withdrawal and I do not know the person who did this nor how they acquired my PIN nor card. The card was in my wallet in my vehicle at the time. It was impossible that it was me who did this as I was working Monday during the time it occurred and the ATM video records proves it was not me, as evidenced by the police report I filed which reference said tapes. The bank in question ( Chase ) in spite of all this evidence, still refused to acknowledge that this was fraud and denied me my money which was stolen from me in the order of {$600.00} ; 2 withdrawals of {$300.00}. Is there anything the CFPB can do to correct this?
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX, Equifax, XXXX  I recently received a letter from XXXX XXXX XXXX that they couldnt validate their debt. I requested from XXXX XXXX XXXX to provide the chain of custody that they purchased a XXXX account in my name, the name and address of the original creditor, the sign contract of the original creditor, the opening date of the account, payment history, last payment made status of account closed or charged of with dates. Michigan Law 339.901 thru 339.930 forbid unlicensed debt collector to report to credit bureaus and XXXX XXXX XXXX is unlicensed in the state of Michigan. To all credit bureaus state the reason why your not complying with Michigan Law 339.901 thru 339.930? 
To all the credit bureaus list the XXXX account as fraud because XXXX XXXX XXXX has not sent me any validation documents of their XXXX account.
Consumer complaint received 2023-01-06
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. (CA)

I've contacted XXXX/ DEPT OF ED & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being listed as late on 8/19-10/19 on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late dates from these accounts : XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2021-10-07
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. (NY)

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX Retail Card Services mischief . 

On XX/XX/2021 Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. 

On XX/XX/2021 complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/2021 to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. 

On XX/XX/2021 Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. 

XX/XX/2021 + XX/XX/2021 Equifax represented internal review was completed that on XX/XX/2021 has been initiated. When the furnishing company provides their findings, we will send those results to you. 

On XX/XX/2021 as Equifax had clearly demonstrated on XX/XX/2021 + XX/XX/2021 no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance.
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AE)

In the summer of XXXX I started having problems with my student loans. I had not been working for almost a year and it was time to recalculate my payments I initiated a recalculation over the phone and was told my payment would be set at XXXX $ and then I double checked later in the next month I saw that it was indeed set at XXXX $ and I have a screen shot showing XXXX $ due and paid. Then XXXX of XXXX I discovered in my junk email that I was defaulting on my loans. I immediately called and had account placed on an administrative hold was trying to have credit cleaned up and payments set back to appropriate income based repayment. I have spoken to customer service reps numerous times I have been told multiple times the repayment should be at XXXX $ and my credit would be restored.. I am a dependent of an XXXX in the XXXX with a XXXX XXXX XXXX. I have spoken to them at least 20 times and reached out to my congressman for assistance in this matter. I am at a loss as to how to make this right. I am being told currently I am past due and owe almost XXXX $ a month which is out of line for my family size and income.
Consumer complaint received 2023-01-06
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. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

XXXX continue to wrongfully report derogatory marks from XXXX XXXX XXXX - Account number XXXX - on my personal credit account despite the fact that the underlying account was not validated, it is inaccurate and fraudulent. Because there was no notice, whatsoever, from the creditor, I denied opportunity to dispute the charges under identity theft. Moreover, XXXX ignored my complaint that the account was reported by the reporter, XXXX XXXX XXXX, who failed to notify me pertaining to the alleged charges and/or grant proper opportunity to dispute the charges before reporting in violation of the consumer rights laws such as Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Upon my request for reinvestigation, XXXX improperly used parrot information to validate the charges.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax consistently does not update my credit report. I have documented proof from XXXX from other credit bureaus from discover and all of my other revolving accounts stating they are sending the information to all three credit bureaus yet Equifax is the only one that does not update it. They have not updated anything on my credit report for 60 days or more. I have contacted them repeatedly they do not fix the problem.
Consumer complaint received 2023-01-05
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. (WV)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 2 late payments reported ) in 2020 - XXXX - 30 days late, August 60 days late On XXXX ( Inaccurate 1 late payment reported ) in 2020 - July 60 days late On XXXX ( Inaccurate XXXX late payments reported ) in 2020 - XXXX - 30 days late, July 60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned accounts lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the accounts in question. Below, are the accounts they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay three months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called LOANCARE ( can't recall date but LOANCARE can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call LOAN CARE ( XXXX call ) and told the rep what the first rep from LOANCARE told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first two reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a two month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess.
Consumer complaint received 2023-01-05
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. (NY)

THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted a complaint XXXX Explaining that this account XXXX DEPT OF EDUCATION did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account and review all the identity theft information that I previously sent you.
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (VA)

Beginning of XXXX I began disputing a XXXX XXXX Account on my credit report and ask for the account to be verified. The account is reporting inaccurately.The account across all bureaus show different account numbers, different loan types, different date of last activity and a variety of other things that I know are a violation. I need this account. All credit companies have not completed the steps ask and I've disputed three times.