davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (MI)

I purchased a condo in XXXX. My original loan with mortgage 1 was sold to Amerihome mortgage soon thereafter. In XXXX XXXX of XXXX I was offered a streamline mortgage by Amerihome. At first it seemed a good option as it lowered my interest rate a little, and I was told there would be no fees whatsoever. Near the point they were to send someone to my condo for some type of inspection, I was told by California based mortgage rep that he was preparing closing docs and that I would be required to pay a percentage point on the loan. I refused telling him he had told me no fees. He tried and tried to make me think that the streamline loan was in my best interest. He was very pushy, I became upset and refused further, eventually hanging up phone. 
On XX/XX/XXXX Amerihome took {$930.00} from my escrow account. They labeled it an escrow refund, as shown on escrow statement provided. I did not receive an escrow refund. On XX/XX/XXXX I was sent an escrow shortage notice, and told I needed to pay {$960.00} to cover the shortfall. I was not able to do so. So they increased my escrow monthly payment. I have spoken to Amerihome several times regarding this.on XX/XX/XXXX a Supervisor named XXXX told me Amerihome had mailed a escrow refund to me for {$400.00} some dollars, but that apparently it had been sent to the wrong address??? Something about unit number showing XXXX not the proper unit no XXXX. When I told him it was {$930.00} which was deducted and not the XXXX and some amount, he became very sarcastic telling me he would look into it. I never heard back from him. I spoke to Amerihome representatives many times after this and was basically given a terrible run around. 

Unfortunately, at some point I misplaced the Amerihome documents, but luckily recently recovered them. I will copy all pertinent documents. 

Your help in this matter will be greatly appreciated!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX XXXX XXXX  ) with their collection agency ( " XXXX XXXX ) are entering false records on our credit reports with no accountability. 

XXXX XXXX XXXX  gives credit to people without checking their identities ( no KYI ) and in violation of both FCRA and Banking Regulations by granting credit ( using the personally identifiable information other than their customers ). XXXX XXXX XXXX  fails to do their XXXX  ( verify the identities of credit applicants ), no XXXX  and XXXX on their customers before and after they issue credit cards. 

Beware of doing business with XXXX XXXX XXXX  and XXXX XXXX  who violate FCRA rights and Banking Regulations. 

XXXX XXXXXXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (SC)

Twice in one month, I have had fraudulent inquiries on XXXX by JPMCB. I setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. XXXX is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.
Consumer complaint received 2023-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

In accordance with the fair credit reporting act, this creditor, " CAINE & WEINER '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 XXXXXXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bell Global Solutions LLC (FL)

I filed a complaint against this company with you on XX/XX/2023 and the complaint number is XXXX. I never received anything from this company in writing about the debt. The calls did stop for short time and this morning they started back up again. They have removed it from my credit report, but I fear that they will put it back there. This company has not responded to the complaint I filed with you in XX/XX/2023. Make them stop calling me if you can or if not can I take this company to federal court and sue them
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX # XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This morning, I found unauthorized inquiries on my credit report, and Im completely baffled as to how they got there. Everything was fine the last time I checked, but now these discrepancies have appeared for no reason. I even refreshed my browser in hopes that it was a simple error, but the inquiries didnt go away. Im seriously frustrated and need this issue addressed right away by thoroughly reviewing the documents I sent.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX and Experian for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my XXXX and Experian credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : XXXX and Experian Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : XXXX and Experian are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both XXXX and Experian have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act.

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both Experian and XXXX, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines.

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account,
potentially violating TILA by falsely representing the terms under which my account was closed and paid off.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AR)

Year XX/XX/XXXX I paid through online bill pay directly from my XXXX Bank acct a mortgage payment to Wells Fargo. This was paid on time and on auto pay. Within few days of receiving the payment Wells Fargo sent the payment back to XXXX without my knowledge. A few months after that Wells Fargo started reporting me past due to my credit report and charging me penalties and interest. 

XXXX I worked on trying to get this issues resolved on my own. I had no issue returning the payment again to Wells Fargo and would have done so but they would not remove the fees and the payment would still be considered past due because fees would have been taken from the payment before being applied to mortgage. 

XXXX Attorney XXXX XXXX wrote letters to Wells Fargo on my behalf trying to resolve this issue. During this time wells Fargo requested COPIES of two checks from XXXX Bank that they believed was where issues started. These were provided. But they still would not clear my credit AS IF NO PROBLEM ever existed. 

XXXX Attorney XXXX XXXX XXXX had extensive written correspondences with Wells Fargo trying to resolve this issue. Through XXXX XXXX XXXX office both Arkansas XXXX XXXX XXXX XXXX and Arkansas XXXX XXXX XXXX wrote letters to Wells Fago on my behalf. 

XX/XX/XXXX I met with a Wells Fargo Representative at a local office in XXXX XXXX Arkansas and this representative of Wells Fargo pecifically called Wells Fargo main mortgage office to see what needed to be paid in order to stop the bleed on my credit while this was being looked into by the state congressmen. I also was assigned a direct Wells Fargo representative at that time by the name of XXXX XXXX. 

BOTH XXXX XXXX and XXXX XXXX were involved in campaigns and elections during this time. However XXXX their offices wrote letters AND sent documents provided such as my bank statements and letters showing the routing numbers between XXXX Bank and Wells Fargo. It was requested for a copy of the CHECK in question to be provided showing proof to Wells Fargo from XXXX Bank. XXXX Bank responded that they could provide certified bank statements and routing numbers but that their system was updated and they could not provide the actual check copy. 

Wells Fargo refuses the XXXX Bank letters and certifications and my personal bank statements as proof that THIS PAYMENT was indeed paid on time and properly. I have a specific representative of XXXX Bank local main bank in XXXX Arkansas. 

This has greatly affected my ability to refinance my property of which I have over XXXX equity. I have above XXXX credit score even with the bad Mark of over 40 month rolling past due Mark on my credit by Wells Fargo. This bad MORTGAGE MARK on credit has harmed me in a huge financial way. I have disputed this with the credit bureaus as well. I have a lot of documentation along this journey.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

My credit report has been negatively affected by Equifax allowing various entities to report unverified accounts on my credit. I asked Equifax to please provide me a hard copy of the original applications/contracts that is said to be mine so that I can verify signatures. Equifax relies on 3rd party vendors that provides electronic information that could easily be forged copied or finagled. In respects to the law that governs the CRA 's, it is my understanding that under the FCRA 15 U.S.C. 1681, all unverified accounts must be promptly deleted. In respects to the governing law, a verified account is defined as an original hard copy of the original application that is believed to be mine. Equifax has disregarded my request for the copies of the applications or contracts that is in my file. They have responded within the 30 days but not with the original documentation with my signatures. I did not ask for a copy of my credit port. I asked for an updated copy of my report that shows the accounts in question to be removed because of Equifax 's inability or unwillingness to forward me all original hard copies within 30 days. According to the law that governs the CRA 's it 's illegal to report on my credit file without having the " hard copy '' on file.
Consumer complaint received 2015-07-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

I have my system set up at Suntrust bank to send me text messages when my accounts get below a certain amount. This way, I can transfer money before XXXX and cover any shortage. This past month has been a joke. I never received a message that my account was overdrawn until the next morning, along with their customary {$38.00} overdraft fee.One was even for {$3.00} overdrawn. There were ACH payments as best I understand and do not show up as " Pending '' and are processed during the night, allowing a person NO time to react. The payments were rejected my account was charged overdrafts which really were not as they were not paid just rejected. Then 7 days later the same exact thing. It is outrageous that they can charge you {$38.00} for not paying something. It also does no good to set up a text message if you run an electronic transaction generated by a XXXX party during the night time hours, reject it electronically and not give you the opportunity to cover the shortage. The system they have set up is stacked against those that do not have large sums of money available to keep in various accounts. Electronic ACH transactions carry NO real cost to operate other than electricity, as the Computer systems are already a part of the business operations. So we are charged {$38.00} for an overdraft that never really occurs as the payment is rejected..
Consumer complaint received 2016-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

This company keeps reporting XXXX collection accounts which have been paid. When I paid these accounts they agreed to remove them from my report ... I guess it 's called a paid for deletion. I never received a letter fro them which I understand is important. I 've called them on the phone & they said the would n't remove them. They continue to report the account as a collection when they agreed over the phone to remove it. The negativity is impacting my ability to get a loan when it was paid over 2 years ago. I would like Paragon to remove it at once from all XXXX credit reporting agencies.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/year> 15 U.S.C , 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2016-01-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America accepted mortgage payments from me, giving me a confirmation number for the payments, then, failing to apply them to my loan, they have attempted to return them to me. They are trying to foreclose on me, saying that I defaulted on my loan, when they have both failed to apply payments and failed to accept payments, erroneously claiming I had defaulted on my loan. They are now trying to foreclose on me by a " Summary Judgment Motion, '' suggesting their claim that I defaulted is irrefutable. I hope to refute ( and disprove ) every allegation, but can not find a specializing lawyer to take my case on short notice. ( My attorney has quit ALL mortgage law cases, and I am left stranded. ) For XXXX years Bank of America has treated me in an unethical and fraudulent manner. I do not know whether the judge will listen to/look at my arguments/evidence and proof that they have committed many violations and are falsely alleging many things to give the appearance that I missed or defaulted on loan payments.