davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IA)

I have a few mortgages with Amerihome mortgage and one with XXXX XXXX. My home insurance recently changed. It used to be with XXXX, it is with Auto-Owners now. My Auto-Owners agent provided everything that is needed to both XXXX XXXX and Amerihome Mortgage to update the records to include new insurance. The problem is that both XXXX XXXX and Amerihome had the amounts listed as {$6400.00} for each of the properties which is incorrect. It is supposed to have individual amounts for each property and not combined amount for all of the properties. My Auto-Owners agent contacted XXXX XXXX and Amerihome verbally and by fax to have the numbers updated. XXXX XXXX updated the amount to what it is supposed to be, however, Amerihome is not updating the insurance premium and it has it listed as XXXX for each of the properties which will be an issue when its time to pay out the premium as well as do escrow analysis as my mortgage payments will increase. My agent faxed a letter of explanation including the policies and the amount breakdown for each property on XX/XX/2018. She spoke with the agent verbally on the phone and I spoke with agent who confirmed that she saw the fax and that it will be corrected. I checked the records and after a few days it still hasnt been corrected. This will create an issue for me in the next few months as the insurance premium will be paid XXXX times all of the properties to over {$30000.00} instead of XXXX for all of them and my mortgage payment will skyrocket if it is not fixed before than. My insurance agent has done everything what was needed and faxed the documents in and I am helpless a this moment. I hope Amerihome Mortgage can fix this issue as XXXX XXXX already did before it is too late.
Consumer complaint received 2019-01-26
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. (TX)

There are fraudulent accounts appearing on my Transunion and XXXX  credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.
Consumer complaint received 2018-12-20
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: Experian Information Solutions Inc. (MO)

There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.
Consumer complaint received 2020-05-28
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. (PA)

XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XX/XX/XXXX..Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Consumer complaint received 2020-05-28
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. (FL)

Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to XXXX in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with experian, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to XXXX chat feature where the XXXX rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that XXXX could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with Experian again and was denied. 

Again, I just want the correct month that was past due to be showing. Thank you!
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a notification about a XXXX transaction for {$800.00} and another transaction of {$200.00} on my account which I did not authorize. I have never used the app for anything more than {$50.00}, I do not know the receiver neither did I authorize this transaction. 

I called Capital One immediately after receiving this transaction notification in which they filed a dispute and opened a investigation. A hour or so later they called me back stating the claim was denied and they are choosing to end their relationship with me. I tried to understand why, however I received vague replies with no remorse to what this could cause for me. 

I work for a huge Oil and Gas Co., I am a XXXX graduate student, I would never commit such a thing, and my bank did not back me up, instead they pointed a finger and left me feeling undervalued and un worthy of their financial protection which they promised to give to all customers. I spoke to several managers who also did not give me back a response only want to end the conversation. I am shocked at Capital One treating their customers in such a way.
Consumer complaint received 2024-10-19
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (FL)

I am writing to file a formal complaint regarding repeated phone calls from a debt collector during my XXXX to the XXXX theater. These calls have occurred multiple times during the night and early morning hours, significantly disrupting my sleep schedule. 

Dates of the calls : The calls typically occurred from XX/XX/XXXX to XX/XX/XXXX, often between XXXX XXXX  and XXXX XXXX  local time. 
Impact on my sleep : Due to the time zone difference, these calls were particularly disruptive to my rest. I was repeatedly awoken, leading to a lack of adequate sleep necessary for my duties. 
Consequences : As a result of these disturbances, I have been late for work on several occasions. This not only affects my performance but also impacts my overall mental and physical health during a critical time in my XXXX. 
I have attempted to inform the debt collector that I am currently serving overseas and requested that they cease calling during these hours. However, my requests have not been respected, and the calls continued.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I used MoneyGram to send money to my dad on XXXX XXXX and I received an email to notify my that the transfer was in progress. 
On XX/XX/XXXX I received an email from MoneyGram to inform me that the transaction was completed along with the reference number for the receiver ( my dad ) to retrieve the money. 
XX/XX/XXXX or XXXX : my dad went to pick up the money and was told that he couldn't receive the money because the transaction was blocked. So he called me and informed me. 
XX/XX/XXXX : I did call MoneyGram ( next day ) and after spending about an hour on the phone with 4 or 5 different agents total and going through verification and screening the last agent told me that there was a technical issue on their end and this is the reason why the transaction did not process. He then told me that it would be resolved and the money would be available for pick up within 24-48 hrs. ( This would mean that the money should be available by XX/XX/XXXX ) XX/XX/XXXX : My dad went back to the agency to retrieve the money and was told that the transaction was not processed. ( You can imagine how frustrating this was for him and for myself when he called me to let me know ).

I called Money Gram this morning ( XX/XX/XXXX ) very XXXX and this is when I was informed that my transaction was cancelled and scheduled for refund. ONLY AFTER talking to the 1st agent I received an email informing me about this ; AND I have to wait 3-10 business days for them to process the refund. 
I requested to talk to a supervisor or someone in charge ; I was transferred to the escalation department where I talk to another agent who was basically telling me the same thing the previous agent said ; there is no way for them to expedite the refund. 
I was sending money to my dad for health reason and this experience was frustrating for both. At this point he would be dead by now if if was a critical illness that depended on that money. After using their service for several years now this is the first and the worst issue with them. 
- they did not communicate on the status of the transaction UNTIL I called them - they canceled the transaction - they wasted so much time having me and my dad wait ( 3 weeks ) - they have me wait 3-10 business days to get refunded - they still have NOT told me WHY was the transaction cancelled after all this time They should have a way to compensate customers for this kind of inconvenience and damage they cause customers with situations like this.

VERY XXXX!!
Consumer complaint received 2018-12-20
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: Experian Information Solutions Inc. (FL)

I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a pay off amount from Capitol One and paid my account off in full as they were charging huge % rates. I closed my account and they said there was a XXXX balance. I kept on checking to make sure that there was a XXXX balance as I have had this problem before where they don't actually close my account and continue to charge interest. Sure enough I got a call a month later that I owed XXXX cents and now owed {$84.00}. When I told them that I closed my account and correctly paid the full amount off they said I owed the {$84.00} in late fees from the XXXX cents that was owed, but could not find how the charges were done or what the XXXX cents was from interest or a service fee. Regardless of what or how I have been ripped off by Capitol One. This has taken place between XX/XX/2020 and XX/XX/2020. " What's in your wallet? '' Nothing because you took it all and are still trying to rip me off!
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

XXXX CST on XXXX, i am unable to access any of my accounts. I have tried logging in via my app as well as the website, and it displays an error that it is currently down. The bank 's website appears to be having technical issues which is preventing me from accessing any of my funds and conducting my necessary transactions.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX I read online about an increased offer of XXXX miles after spending {$5000.00} within the first 3 months of opening on the capital one venture card. I clicked on the link advertising the offer and confirmed the terms on the application page. 
I applied and was approved for the card. After spending the {$5000.00} I logged into my account and saw that they deposited XXXX miles. I opened the online chat to ask them when I would receive the additional XXXX miles. The agent stated that my account showed I had an offer for XXXX miles after {$3000.00} spend. I told him that was not the offer on the application I filled out and I wouldn't have wasted the hard inquiry on my credit for that offer. I only applied for the increased offer. He transferred me to a supervisor who held firm. I asked what date the promotional offer ended and he said he didn't have that information. He gave me a phone number to call. I called the number and basically had the same conversation with this rep. They said they would open a case and someone would call me back on XX/XX/XXXX. I never received a call. My complaint is that capital one didn't fulfill the terms offered on the application which I filled out and was approved for. I did a XXXX search and found that the increased offer ended on or around XX/XX/XXXX 15 days after I applied.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

Discover notified me last year that it had discovered fraudulent activity on my card, although it did not tell me how or where my card was used. I checked my bill and noticed a {$95.00} charge at a local XXXX from XX/XX/2018. I did not make that charge, I did not lend my card to anyone and had not lost my card. So I disputed the charge. Discover issued a credit and the incident went out of my mind. 

I received a replacement card, which I barely used, and then lost. I immediately requested a replacement which I received this week. I also noticed a {$95.00} charge on my account which had no detail, which I could not dispute, and which I did not recognize. I contacted Discover immediately. I received exceedingly poor customer service but no explanation so asked for someone to contact me. 

Today, I received a letter stating that the charge was deemed valid, which it is not. I also did not receive any inquiry from Discover about what happened. Evidently, Discover took the last many months to conduct a one-sided review in which it contacted the merchant which provided the date and time of the transaction, but no other information- no purported signature or other way of validating my identity. 

Discover did provide the date and time of the transaction- a date and time when I was at work, 20 miles away at work in a meeting, according to my work schedule. And this was for more than 30 gallons of unleaded gas. My gas tank is holds less than 14 gallon, and I use premium, not unleaded gas. This is not my transaction. But Discover has taken months to render a decision against me ( and remember, Discover identified me to me as a potential victim of fraud right around this time ) and has not provided anyone for me to speak with to provide my evidence refuting this fraudulent transaction.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I am filing this complaint today because of invalid information reported on my credit report. 'XXXX  XXXX/ XXXX XXXX ' of XXXX, Ohio XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX  monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX   monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false, the inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and disputes directly through the credit bureau. XXXX XXXX/ XXXX XXXX has disregarded each attempt and continued to report damaging false information.
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (NV)

This company is attempting to collect XXXX from me in which is not a valid debt. I do not owe XXXX  XXXX any money. These charges are made up and fradulent. I have spoken with them several times to remove but the landlord had refused due to a personal hate he has for me. It is wrong and against the law.
Consumer complaint received 2019-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

I have my motgage company FREEDOM MORTGAGE. I have behind XXXX payments. On XX/XX/XXXX I received a letter from MAKING HOME AFFORDABLE wiht Pre- aproved number and I contacted them.XXXX  XXXX they started a process with me with all my information about my MORTGAGE. Now my contact person is named XXXX XXXX from the XXXX XXXX XXXX phone XXXX XXXX XXXX and they sent to me a packgage with a plan of payments starting on XX/XX/XXXX and two more payments on XX/XX/XXXX and XX/XX/XXXX for XXXX {$1.00} each by e Checks or Money Orders Payable to : Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2019-01-31
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. (FL)

I've contacted the companies reporting as well as the credit bureaus. The accounts are entirely incorrect and nothing has been resolved. The accounts haven't been investigated in timely manner per Fair Credit Reporting Act. Furthermore, I never received verification of the accounts from the company either. I have no knowledge of the accounts and they shouldn't be on my credit report.