davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (UT)

My Husband and I used our builders recommended mortgage company ( Academy Mortgage ) because he had a good relationship with them. We came to find out it was to good and Academy Mortgage was looking out for our builder and not us. 
We got the loan and started our build. Our builder dug a full basement and our plans are for a daylight basement. The builder poured our basement when we were out of town and when we returned we could not believe what he had done. We immediately called our loan officer XXXX XXXX and told him that this is not acceptable. I emailed XXXX pictures and told him not to pay the builder because this was what our plans showed and in closing on our loan the documents clearly say if any changes where made there needed to be a change order signed. After emailing XXXX time after time he told me that i needed to take this up with the builder and he couldnt help us. I expressed with him that i was going to get an attorney. XXXX then went and relayed this information to the builder which is very unethical. XXXX then sent me a email telling me he could not talk with me anymore about our loan and that i needed to speak with Academy 's legal department. Academy paid the builder. I finally got a spreadsheet from Academy and i noticed double charges from the builder and Academy didnt want to help clear them up. I went to the subcontractors and had checks made back to Academy for these charges. Academy Mortgage also paid the builder more than the contract stated. When this was brought up to Academy they offered us extensions on our loan free of charge. We had fired our builder and needed to figure out what we had to do. Academy also paid in full and delivery charges for windows for this home and all we had was basement walls. Our closing documents say that all materials needed to be installed and inspected before final payment would be made. We have so many other complaints about Academy Mortgages ethics and business practices. It is clear to us that Academy Mortgage did not manage our money with our best interest in mind. Academy Mortgage was looking out for our builder.
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were found on my credit report, and I would like to bring to your attention that these items are in violation of the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. I have noticed the following inaccuracies and unauthorized credit inquiries that need to be removed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX The information reported on this account may be incorrect, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This credit pull was conducted without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you remove these negative items and unauthorized credit inquiries from my credit report, in accordance with the FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA laws. Additionally, I would like to receive a written explanation of the steps taken to correct these inaccuracies and an updated copy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/2023, around XXXX, I went to the Santander ATM XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX to make a {$500.00} cash deposit. I put in my card, entered my pin, selected cash deposit and put my money in the machine. It made some noises and then said that my cash could not be collected, remove and try again. The machine made some more noises but never opened. It then said my transaction could not be completed and returned my card. I tried to do a check deposit and a cash withdrawal, just to see if the ATM would open up, I did not want anyone to steal my money. While sitting there, I called the bank branch, # on the back of my card and the # on the ATM, no answer. The next day was a holiday, I had to wait until XXXX XX/XX/XXXX to speak to the bank. I was told someone would be out to check the machine, I asked to be there but they had no idea who or when the ATM would be serviced. A provisional credit was issued to me on XX/XX/XXXX and then taken from me on XX/XX/XXXX as they said the ATM was not over. They have refused to investigate this. The video should clearly show me sitting there for about 20 minutes. The machine was also inoperable for at least 2 days. I am asking for an investigation into who stole my money and I want it returned to me. Either the armored truck driver or the person who counts the money stole it.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (OH)

I have contacted Experian regarding several Bankruptcy dismissals that should be deleted on my credit report, but I have yet to hear from them. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they  have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they should obey it.
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. My name is XXXX XXXX and I have reviewed my credit report and found several errors which need to be rectified as soon as possible. 

Firstly, I would like to dispute the following bankruptcy cases as they do not belong to me : Bankruptcy XXXX XXXX-dismissed Case Number : XXXX Bankruptcy XXXX XXXXXXXXdismissed Case Number : XXXX I request you to remove these items from my credit file immediately as they are not mine. 

Secondly, I would like to dispute the following accounts as I can not recognize them : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please investigate these accounts and delete them from my credit report if they do not belong to me. 

Thirdly, I would like to dispute the following accounts as they have incorrect information : XXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXXXXXX XXXX Account Number : XXXX This account has a payment history even though it's a charge off. Please delete this account immediately. 
XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX This account has never been paid late. Please update this account and delete the inaccurate information immediately. 
Fourthly, I would like to dispute the following personal information as they are incorrect : Account Number : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX This address is not correct. Please delete it from my report. 
Account Number : XXXX This is not my name. Please delete it from my report. 
I urge you to comply with the Fair Credit Reporting Act ( FCRA ) law, and investigate these items in a timely manner. Please inform me in writing of any corrections made to my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been YEARS now and nothing changed. All of these companies refuse to change dispute but advise one already opened. HaHa no kidding! When does the consumer get a fair shake. It's always the lender who is correct regardless of information provided, and it always takes longer than allowed but who cares! letter 's written, calls made, emails, CFPB. Complaints in my opinion all a fraud of great magnitude designed to keep people in financial bondage! Hey the record in writing evidently confirms it! Here is XXXX reply to current report which has given us a low score and adverse action just yesterday! Killed by the other two XXXX and TransUnion. 

Know your rights REALLY WHAT RIGHTS HAHA A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552. OPINION WHAT GOOD IS THIS? A WASTE OF TIME!!!! 
Submitted warning Disputes submission failed! 
XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. When do you correct the complaint!!!!! 

CREDIT UNION Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( 855 ) 414-6048 or contact your data furnisher for more info on how to move forward.

CAR LOAN Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( 855 ) 414-6048 or contact your data furnisher for more info on how to move forward. ''
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (OH)

XXXX XXXX my wife an I got car the price was very high an they keep piling up fees. We called the dealership an they kept giving us the run around an said there nothing we can do you sign the paperwork. But we were used, an mis informed and just because our credit wasn't that good they took advantage.
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atchison Account Management (MO)

I had a medical bill go into collections through atchison account managment from XXXX XXXX ive never recieved a bill with an amount or was shown an amount ive been paying on this debt for XXXX years and still owe almost the full cost of the bill the debt started out at XXXX and is just now under XXXX thousdand i havent received and documentation on this bill or what service i was being billed for
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a small business account with Bank of America. A representative reached out to me last year, saying they were offering me a FREE check deposit machine, as part of a pilot program that I qualified for. We had one phone conversation. When the machine arrived, it was very clunky and hard to assemble. Once assembled, it didn't work. It wasted my time, so I took it to the XXXX branch in the box and asked that they return it to wherever it came from. I thought then that I was done. But then months later {$15.00} charges started coming out of my account. When I called to query and found out it was for this service that I NEVER activated, they reversed some of the charges. But they kept coming, so I called again and again, and asked that they settle the issue once and for all. So they cancelled the service ( which I never authorized ), and charged me {$250.00}. I spoke to someone a few weeks ago about making sure that gets removed and that I don't hear ANYTHING about this again. The issue has wasted tons and tons of my time and energy, for no reason at all. I'm flabbergasted. Anyway I haven't heard anything back, and really don't want to call yet another time.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Dear Sir/Madam, I have made a purchase for a service from XXXX XXXX XXXX XXXX on XX/XX/2018. The company did not provide me the service i.e. move my items from XXXX to XXXX XXXX to my house and lost a lot of items. I tried reaching out to XXXX XXXX but they are not picking up my call. Upon not receiving the promised service, I reached out to discover to raise a dispute ( reference number - XXXX ), but the company sided with the merchant despite all the evidences I provided. 

I did provide them a copy of contract that clearly states what was expected of the move and also the picture that I did not receive the service as promised.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

I have tried to contact this company several times and they have refused to remove this debt that I have no knowledge of, off my credit report. I have also submitted a dispute a week ago on XXXX XXXX to the debt collection company and still have not received a response. 

I run several businesses and my credit is VERY important to me as I am trying to buy a house. My credit score was 700+ before this unknown collection and it is my ONLY collection. I am XXXX XXXX XXXX and do not want this collection company to ruin my credit for the rest of my life for a debt that is not mine and one that I had no knowledge of.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-03-16
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. (MO)

I contacted the Credit Reporting Agencies after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINTS and hoping that the following accounts will be removed as soon as possible : 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 XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (ID)

CARECREDIT / SYNCHRONY BANK - I have/had six different promotional purchases on this account. If paid off within certain time frames I can avoid finance charges. I'm very careful to make sure I am paying correctly to avoid these. In XXXX I had a promotional charge in the amount of {$3000.00} due, I discovered that Synchrony had misapplied my last three payments to random other promotions instead of this promotion. I requested the correct their mistake. Instead they reversed the payments an applied them to other promotions. Instead of continuing to argue with them about getting it paid I asked my husband for money to get it paid off. That would have left the next three promotional balances with something applied to them - this is where they misapplied. My XXXX promotion was paid off and according to my records that would have left my upcoming XXXX promotion with approximately {$300.00} dollar applied to it leaving me just over {$100.00} to pay by XX/XX/XXXX. I have a spreadsheet laying all of these payments out. Today I received an email telling me I owed almost the full balance of the XXXX promotion, {$410.00} due by the 3rd. When I logged onto my account I was expecting to see close to {$300.00} already applied to this promotion and there is only {$5.00} applied. So I contacted them requesting a full accounting from them of the payments received on my account for the past 12 months with the information as to what charges these payments were applied too. I was told to review my statements, the information was there. Its not, the statements show the payments received but not where they have been applied. According to my records there is close to {$300.00} unaccounted for- they didn't have it applied to what was due in XXXX, it was on XXXX, XXXX and XXXX- now that {$300.00} shows not on those promotional balances and it does not show the promotional balance from XXXX overpaid the {$300.00} - So where is the money? Somewhere in the past year something with how they are applying and accounting for my payments has been done incorrectly and they are missing {$300.00} from being applied to my promotional balances. My request for the accounting of the past 12 months showing payments and where they were applied was denied. They told me they can only tell me what payments were made in the past 60 days, nothing more. They have no system to tell me this. That makes me really highly concerned. I do bookkeeping and HR for a living and I have to keep all my records for years - you are telling me they don't? I just want an accounting of my records. What payments on what dates applied to what charges from XX/XX/XXXX through XX/XX/XXXX- they refuse
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I applied AMEX Blue Cash Everyday credit card at XXXX. By the advertisement, I will get {$200.00} after I spend {$1000.00} within 3 months of opening new account. But AMEX didn't give that to me after I satisfy the criteria. I tried to communicate with AMEX in XXXX and XXXX, and asked for investigation. But they still refuse to give that credit to me.