davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

On XX/XX/2021, I received a letter from Amerisave Mortgage Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Phone XXXX. This letter said that I had ordered a credit report to determine my qualifications for a mortgage. I ordered no such report from this organization. 
When I called them the same day, I was told that I had given permission by looking at some website and that gave them permission to look at my credit. When I advised them that I gave no such permission I got the same story again and again. They refused to acknowledge same and I discontinued the call. 
I consider this a form of identity theft and want to know what my legal options are. 

Thank you,
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NC)

I went onto their website because I had been sick for several months to see if they could help me. They have made absolutely no attempts to work with me or help me. I received a voicemail from XXXX at the end of last week. I called back but didnt get connected with anyone. I called back today and finally spoke to her and was pretty much ridiculed about my payment I told her that I could make a payment today and make two more before the end of the month but that wasnt good enough. I was supposed to be in loss mitigation but she demanded a date for two payments which I gave her this coming Friday XX/XX/year>. Instead of helping me during my time of illness, they have tacked on almost a XXXX XXXX  dollars for me to pay without even starting the mitigation process. There should be a law against all of these extra fees especially when consumers are in contact with them asking for help. This company is a complete scam. I had XXXX  which put me in a very bad place illness wise because I have XXXX  XXXX, I was taken out of work for XXXX XXXX months. I just went back to work and Im trying to get on my feet but all they are concerned about is taking my home.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (CO)

Unauthorized transaction on XX/XX/2022 XXXXXXXX XXXX  charge {$120.00}. Contacted door dash. Completed steps required. Filed police report, canceled card ( same day ), filled out unauthorized transaction report ( in XXXX doc format not word or pdf ) emailed information back. Claim was denied because form wasnt sent in pdf or word format. Agent was unwilling to assist over phone saying email is only option. XXXX XXXX/pay fare unwilling to assist in lawful manner. Suspiciously at the same time door dash had a nationwide problem with their credit processing system resulting in customers getting free food. I believe my problem may have to do with that, but any questions regarding that were stonewalled by agent. Tried with XXXX XXXXpay fare over phone for collective 7 hrs without proper assistance.
Consumer complaint received 2022-09-22
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. (PA)

XXXX, XXXX, and TransUnion, are penalizing me via continued poor credit report based on fraudulent charges on a chase bank card. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( XXXX, XXXX, TransUnion ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX and Experian is incorrectly reporting that all XXXX of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had XXXX student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then XXXX loan at a time. I don't believe its possible to receive XXXX loans at the same exact time. All XXXX accounts have the exact same account number which is not possible, so I'm being penalized for being late on XXXX student loan account XXXX time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!
Consumer complaint received 2021-11-26
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)

Complaint : ( XXXX XXXX ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. Experian, XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX XXXX ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KS)

On XX/XX/XXXX out of the blue Chime banking sent me an email saying they were closing my account. I was able to call them once on a automated system to get an explanation and was told they couldn't tell me why it was closed in their department i had to email XXXX. Well over three weeks now i have wrote 15 emails and can't get any response. I don't care really why they closed it but i had aprx. {$1400.00} in the account and they have yet to return it. They have zero landlines to call, no physical address, and one email address i can use, i am totally frustrated. I would like to be able to eat and need to know where my funds are.
Consumer complaint received 2022-09-22
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. (DE)

I have submitted disputes to all credit bureaus and 2 have fixed the issue. I submitted 2x to experian and they stated that they investagated the creditor ( XXXX XXXX XXXX ) and updated my credit report. Unfortunately they have not and my credit report is still showing a past due. I disputed on XX/XX/24 and XXXX I believe
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX. N.Y. XXXX XXXX Consumer Financial Protection Bureau Re : American Express Asked to close and XXXX out balance on Account ending in XXXX To Whom It may Concern On XX/XX/XXXX I XXXX XXXX called American Express, and told them that I was not the owner of the corporate account XXXX XXXX XXXX. Which held my name in one of its credit cards in the past. I had mentioned to the person that the company had closed.Individual stated the call would be recorded I also stated to the individual to give me the balance on the card which I would pay the amount off and to close the last six digits of account XXXX. The American Express Employee told me the total was XXXX which was drawn from my personal checking account at the time of closing the account XX/XX/XXXX with my permission to ( XXXX ) XXXX out the account balance. Which never occurred. 
I received a letter from American Express dated XX/XX/XXXX notifying me of the account being closed see attached. 
I received several past due notices and I called American Express on XX/XX/XXXXspoke initially to XXXX, explaining at the time of closing the account all payments were made. She stood firm in saying that the bill was outstanding and that their was nothing she could do. I asked to speak to her supervisor, Hence the conversation with Supervisor XXXX. These two individuals would not look into the matter to rectify the error made by American Express employee on a recorded line. 
No one would review the recording that was made on the day of my conversation with the person that closed the account, and on/or about XX/XX/XXXX an ACH amount of XXXX was withdrawn on my personal bank account by American Express. 
I received a letter dated XX/XX/XXXX from American Express that I had a past due on this same card of {$84.00} and total due at this time was {$150.00}. This notice shows a ( {$0.00} ) difference in amount charged by American Express Employee on XX/XX/XXXX. As the account was closed earlier there should not have been any past due amounts. Company error has created this fiasco. 
As time has gone by American Express has removed the Companies name from there billing and have assigned the account to me with out my authorization. This is surely a violation of my rights and Financial law.Please see attachments. 
Confirmation letter closing act ending in XXXX dated XX/XX/XXXX removal of corporate name as well Bank statement showing ach withdrawal by American Express on XX/XX/XXXX Letter dated XX/XX/XXXX with past due amount. With corporate name The company has authorized collectors to call my home on Sundays at XXXX in the morning continue harassment and ruining my credit has forced me to take these actions.
Consumer complaint received 2021-11-26
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. (TX)

There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached the FTC report to have this fraudulent information removed from my report.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$78.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$170.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

pennymac charging higher escrow portion than they ate entitled to, pennymac who receives a copy of my bill states my property taxes are XXXX .they afre not they are XXXX per year .spoke with XXXX but because she was having trouble answering question and copped and attitude conversation quickly deteriarated.considering penny ac has XXXX  XXXX already twice borrower or borrower reps entitled to full explanation until borrower understands, under plausible questioning thiis XXXX was not equiped to answer why what would escrow shortage figure have been if base on correct property tax figure pmi wen t down homeowners only increased 20.EXTREMELY DISSAPOINTED
Consumer complaint received 2022-05-26
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. (PA)

In accordance with the Fair Credit Reporting act XXXX The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXXl XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

On XX/XX/2021 I XXXX XXXX sent a debt validation letter to XXXX XXXX for an alleged debt owed. On XX/XX/2021 they breach my right to privacy which is a violation of 15 usc 1681 with a false certain and deceptive form. Which is a violation of 15 usc 1692J and 18 usc 1341. I never did business with this company so I don't know how they got my personal information which is a violation of 18 usc 1028. In this form I received they told me that it was an attempt to collect a debt. Which is a violation of 15 usc 1692b ( 2 ). Also they had their logo in the contents which is a violation of 15 usc 1692b ( 5 ). They also harmed my reputation by reporting this false information on my consumer report which is a violation of 15 usc 1692d ( 1 ). They also used obscene language by telling me I owe an alleged debt and this was an attempt to do so, which is a violation pursuant to 15 usc 1692d ( 2 ). They also tried to make me pay the alleged debt by advertising it on my consumer report for companies to see, which is a violation pursuant to 15 usc 1692d ( 4 ). Since I know deletion is admission, I now that they know they violated me. Every attached document, I have also sent to the company.
Consumer complaint received 2024-12-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I disputed three charges on my account and they put my account on hold and theres been on hold for three weeks now they just let me know that theyre gon na close my account and have told me or gave me my money thats in the accounts.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Ive tried getting my money back from ruined money orders and sent them pictures of the damaged money orders and they refused to send them even though I followed policy procedures and no one else is claiming ownership of the money orders! 

XXXX ) XXXX {$500.00} XX/XX/21 XXXX ) XXXX {$250.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} XXXX ) XXXX {$500.00} Ive sent pictures of each money order next to my id and drivers license and followed policy procedures to obtain the refunds and I just kept getting blown off, hung up on and ridiculed, Ive been trying to get these refunded for over 6 months now!!
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2021-11-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WI)

I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX XXXX as I transitioned to XXXX. The policies I bought were a minimum of 10 days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.
Consumer complaint received 2021-11-26
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)

Complaint : ( XXXX ) account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX  ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. Experian XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXXincluding third party debt collection accounts associated with ( XXXX  ) account # XXXXbecause the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by Experian. I contacted Experian for a response, and was told that there system showed an XXXX max XXXX score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only Experian, but the credit reporting outlets have gliches in their systems.