davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have been working with Amerihome Mortgage for loss mitigation options since XX/XX/XXXX. I have submitted all documents requested on time and in a timely manner. As of XX/XX/XXXX, I was informed that they had all the documents they needed and the file was forwarded to the Underwriting Department. Again on XX/XX/XXXX I was told the file is currently with underwriting, no documents were being requested and the foreclosure sale for XX/XX/XXXX was on hold. On XX/XX/XXXX we received a phone call from a XXXX XXXX   Employee ID XXXX who informed us that the they have all the documents needed and the file is currently in review with underwriting and we can follow up within 30-90 days. On that VERY same day, the lender kicked the file back to the loss mitigation department requesting additional information. Not one call was placed to my attorneys office, to myself nor were any notices sent out to inform us that now MORE documents were being requested. So now XX/XX/XXXX when call the lender, we are informed of the additional information now being requested and that they have now released the hold from the trustee sale for XX/XX/XXXX because they claim the documents must be received at least 14 days before the sale. Even if they did call me on XX/XX/XXXX, the day the lender requested those docs, that is not even 14 days to submit so therefore they are contradicting themselves. How is this fair? How can they request documents knowing that there are not 14 days left until the foreclosure sale and then demand they are to be received 14 days before the sale? To make matters worse, not once during this loss mitigation process have I ever been assigned a Point of Contact which is a violation of HBOR. I am extremely disappointed and stressed out with all of this as I have done my part, but Amerihome is dropping their end of the bargain and treating me unfairly.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NM)

When I joined the Military in 2011 I put my sisters name on my Wells Fargo Bank account in case of any emergencies. She has been on my account since. Recently upwards of 12k dollars was removed from my checking account due to a court judgement on someone who lives across the country but happened to have my sisters same first and last name. The middle initial was different and the date of birth was 17 years off but I guess those types of things aren't check? This caused my accounts to overdraft. Not to mentioned caused me to have a nervous breakdown worried I had just had my identity stolen. I contacted Wells Fargo and they are looking into the issue and have escalated the case to their Attorneys. I'm sure this will all be settled and the money will be returned to me, but how can something like this happen? Human error?? Is only one person checking these things? The middle initial on the person involved was a XXXX and my sisters middle initial is an XXXX.  Plus the other obvious things that should have been noticed. Something here needs to be done. There needs to be some better training on this within the business to make sure this doesn't happen to other people. This has caused a very stressful period in my life that I didn't need. Remedial training needs to happen and whoever is at fault here needs to be better supervised. Is this something I need to be worried about happening again in the future?? Should I changed banks?? I still have not heard back from Wells Fargo, nor have I recieved a refund. I figured all this out on my own by calling the clerks office of the people who withdrew payment. Please Help! Thank You!
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Since the loan was initiated in 2015, we have not received one paper or electronic statement from the bank. Autopay was not used, we have no way to track, no tax information from the last three years. A payment was accidentally unpaid due to the lack of information and the bank said we were one month behind for the last three monts, and the report has been done accordingly during the last three months on the credit. No warning call, no clear information on the website and no statements available since loan initiation. The banks answer : we should have paid using the talon of payments and it was our responsibiity to keep track of it
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

I checked my credit today and saw Southwest Credit ( SWC Group ) about a balance on my credit. They stated it was reported in XX/XX/XXXX but when I advised I moved from location in XX/XX/XXXX she then continued to advise me they received the debt in XX/XX/XXXX. I informed them that I never received any calls or notification from them in reference to the debt. She then told me they're a data company and don't have to send me a validation of debt. I asked her if she was a debt collector and she stated yes. I then advised her I was a collector and she then confirmed they are a collection agency but then quickly changed her response back to they don't have to send me anything. She then said she's going to transfer me to someone who's going to tell me the exact same thing. Was placed on hold and nobody ever came back to the line. 

I never received any communication of them having the debt and was refused a validation period. 

SWC Group Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-11-08
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : XXXX XXXX TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$170.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 

Thank you for your attention to this matter. I look Forward to a prompt resolution and your assistance in rectifying this issue. 


Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

XXXX. Received a letter in the mail from Citibank on XX/XX/2018 indicating that we had to update our account information or our account would be blocked until they received documents requested. 
XXXX. On XX/XX/2018, I went to the online form, completed the requested forms, received a reference ID of # XXXX and uploaded the forms. ( Attached 1 ) 3. On XX/XX/18 I received a notice from Capital One Credit Card that our payment was returned from Citibank due to a Payment Account issue. ( Attached 2 ) 4. I called Citibank on Monday, XX/XX/2018, after returning from a business trip. I was told my account was blocked because we did not complete an Addendum E Form. We completed the Addendum E form and emailed to Citibank. ( Attached 3 ) 5. XX/XX/2018 - Another block was placed on our account as I found out via a phone call from concerned vendors. I called Citibank and was told that we needed to complete another form before they could unblock the account. I asked them to have a check issued to close the account as we will not be doing business with them going forward. 
They stated that they will issue a check and I can pick up the funds at my local branch tomorrow. 

Is it legal to block payments from this account without any notice?
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX This is an ongoing abuse by Equifax. Once again, I tried to get my report on line as we do regularly with the other two services. The scenario is identical to what I have described below in previous complaints. My previous complaint to you appears below. this is excruciatingly predictable. I do not understand why you allow this to continue. Once I complain to you, they send the report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - The complaint below was filed with the CFPB on or about XX/XX/XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Consumer complaint received 2018-05-02
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX DateXX/XX/XXXX Company : XXXX XXXX DateXXXX Company : XXXX XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-08-27
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: JPMORGAN CHASE & CO. (IL)

This is not related to any compliant filed in the past and is a completely new case. On XX/XX/XXXX I was contacted via phone by Chase Executive Office and was told they were working on my fraud case. The case number is XXXX and I was asked to email my police report for credit card to XXXX which I promptly did. I have sent multiple email follow ups and have received no response. I attached the police report along with XXXX tracking information for the fraudulent purchase to them. I want this new case resolved. 

I also want Chase to stop demanding payment from me on this charge of XXXX until the case is resolved.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (VA)

Prepaid " reward '' card issued by XXXX through " XXXX '' on behalf of Discount Tire. This method of rebate or reward should be regulated by the government in the same way as gift cards or other prepaid cards. We purchased our fairly expensive tires through XXXX XXXX instead of other retailers in part because of an advertised {$70.00} rebate. Turns out, the rebate comes in the form of a prepaid mastercard that is extremely hard to activate and has an insanely short expiration period, after which the reward is entirely lost. I knew that gift cards could not expire for 5 years, and foolishly assumed that I had that protection for these bogus cards, but it turns out that, by the time the rebate is processed and the card issued, I had less than 5 months to use the balance or lose it. This is insane and unfair to consumers, it's essentially a bait and switch. The company issuing the card is doing so with the intention that many people who are drawn in by the offer will not be able to use it before it is invalid. Even one year would be more reasonable than this!
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (CO)

On Monday XX/XX/XXXX after numerous phone calls with a debt collection agency at XXXX XXXX XXXX XXXX about a debt that was racked up by abusive ex boyfriend I scheduled an appointment on Friday to discuss options. The debt collection agency agreed, however I found out today the called my parents and informed them that I owed a debt. I chose to not disclose my abusive relationship to my parents because I also know it will further complicate the situation and add extreme stress to my personal life. My relationship with my family is also very complicated and they will only make matter worst. I am extremely XXXX off that after agreeing to speak on Friday they still went ahead and passed along information to my family.
Consumer complaint received 2018-05-02
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: EQUIFAX, INC. (CA)

Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-30
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)

I have a XXXX  day late payment reporting on all of my XXXX accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted XXXX and the issue wasn't resolved. I filed a dispute with Equifax via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted equifax and asked for the verification and they stated XXXX didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.
Consumer complaint received 2021-11-17
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. (UT)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

on XX/XX/XXXX I Called IC System after being notified by XXXX XXXX that my score fell 60 points due to their inaccurate reporting on my credit report stating i ower {$230.00}. This is the second time Spectrum has attempted to collect this fraudulent account from me. The first collection attempt was removed from my credit file in XXXX after writing numerous letters to spectrum asking for Validation of this account and telling them this was a fraudulent account. 

I have been requesting for IC System to submit validation of this account since XX/XX/XXXX. I have sent 2 letters by mail and no one has replied back to me. 

I have since placed my account of fraudulent watch with all 3 credit agencies
Consumer complaint received 2018-05-02
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MI)

Account ending in XXXX was opened in XXXX or XXXX of XXXX as a secured account with USBANK with a starting deposit of {$500.00} with my credit score being a XXXX. When applying for this account I was told if I made my first 12 payments on time that I would get my security deposit back. 

In XXXX of XXXX I had extreme issues with customer service which was escalated all the way to the office of the Vice President, which were never resolved and are only related since this is a retaliatory refusal to refund. 

In XXXX of XXXX I requested my security deposit back, at the time of the request I had a 100 % payment history with the account and on my credit score had jumped up up to XXXX. I was showing a low credit utilization, had increased my annual income by over {$20000.00} a year, and everything was looking great. They denied it. 

I decided to buckle down another 12 months since when I initially applied my credit was so low. In XXXX of XXXX I once again requested my security deposit back. At the time of request I had a credit score of XXXX, low credit utilization, and 100 % payment history with all accounts. My debt has gone down significantly, and I now make 5x what I was making when I put this deposit down. 

I have had this looked at by both employees of USBank and of other banks and lending institutions. The employees of USBank made it clear they have never seen a case like this before, and hinted at some notes on my file that were the actual cause of it not being refunded. The employees of other lending institutions said that USBank is abusing the design of a secured card and recommended that I make a complaint here. 

Before it is asked, I was given the option of paying it off in full, then driving to my nearest branch ( 200mi away ) to get my deposit back, it can only be done in person. I allowed USBank to hold my money without reasonable interest with an understanding that I would get this deposit back after 12 months if I held my end of the bargain, its been over 24 months, and Ive held my end, I expect them to hold theirs