davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IA)

We are affected by a tornado on XX/XX/2018. I have been trying to get the mortgage to release money so I can get my house fixed. Every time I call I get told they don't have something or they need something else. I have turned in all the XXXX, waiver of lien, insurance documents and contracts. They will not just release my money, every time I call I am told something different. I can't fix my house without getting the money from them. This has been the biggest mess ever. I have to call to be told that things are not processed and this is why the documents aren't correct or that they didn't accept it for one reason or another. I can't go to the website like they want me to. If I was to miss a payment they would be all over calling me.

I feel like they don't care about me and getting my house first which they should since they are really are the ones that own it.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.
Consumer complaint received 2018-10-19
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. (CA)

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried several attempts to get this removed have filed a complaint on here to the credit agency on XX/XX/XXXX on XX/XX/XXXX got a letter stating that it was a validated debt. Ot was not a validated debt. I have sent a letter to the company proof showing that the us bankruptcy court did not report a chapter XXXX bankruptcy tp the credit agency. We have asked them with certified letter to provide us with documentation of jow the os a validated debt with no luck.
Consumer complaint received 2024-09-24
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. (FL)

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, Has violated my right. 
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 a account without my written instruction.
Consumer complaint received 2024-09-12
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)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX County , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling XXXX  accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling XXXX account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to XXXX failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (VA)

On XX/XX/2018 a medical charge that doesnt belong to me was added against my credit report by CFSI without no previous notification toward me. I do not recognize this charge, it doesnt belong to me, and I needed to be remove from my credit. Thank you.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

I made a claim for unauthorized debit card transactions on XX/XX/2018 due to the fact that I lost my debit card and it was not in my possession. Regions Bank denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis. '' As permitted by Regulation E, on XX/XX/2018 I requested copies of the documents Regions Bank used in making its determination not to credit my account for the unauthorized transactions. However, Regions Bank has never responded to my request and has not credited my account for these unauthorized transactions. In effect, they have simply ignored my request because they know there are no penalties under Regulation E for their bad faith actions.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NV)

I had a credit card with Citibank for XXXX years. I closed that account 4 years ago. A couple of months ago I got a statement saying a had a credit on the card. I called Citibank right away I said this has to be a mistake, I closed my account years ago. The person assured me the credit was mine and I was sent a refund. I asked multiple times are you sure this belongs to me, this account has been closed for a long time. The representative assured me it was mine, it was an over payment for years prior. Two months later I got a bill for the amount of the refund with zero explanation. I spent over 20 hours on the phone and through online chats trying to get to the bottom of what happened. I finally worked with someone in executive customer service who was able to figure out that the credit was not truly mine. My issue is that the company showed zero remorse for the amount of time and stress this whole ordeal has been on me. There error caused my credit score to drop 122 points, the whole thing has been a mess. My other concern is the other customer whose credit I received really  belonged to, who knows how long they were without their credit. I understand mistakes happen all the time but their mistake caused me to spend a lot time and effort to get it resolved.
Consumer complaint received 2023-10-03
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report. 

Thank you,
Consumer complaint received 2018-10-19
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: First Federal Credit Control, Inc. (FL)

I had a XXXX procedure on XX/XX/XXXX. Insurance paid benefits, and I paid the balance. {$500.00} of the bill was excluded from insurance coverage because the procedure was disallowed, as it was incidental to the billing code that was paid. At the time of the XXXX, XXXX XXXX, XXXX, was an employee of the doctor doing the procedure, and was paid by his office. She subsequently left the doctor 's employ, and attempted to collect the {$500.00} that was disallowed. I refused to pay her bill, as she should have been paid by the doctor, and her dispute was with him. 


2 years later, in a letter dated XX/XX/XXXX, First Federal Credit Control , Inc. a debt collection company, wrote that XXXX XXXX, XXXX, referred my account to them for collection. On XX/XX/XXXX, I asked my husband to call First Federal to dispute the validity of the debt. He spoke to XXXX XXXX, and gave her the information, and faxed her proof of the debt not being valid. Neither Ms. XXXX, nor anyone else has been in contact with me by mail, phone, fax, or email since. 

We contacted the appropriate credit reporting agencies and filed a dispute. We are in the process of purchasing a home, and when our credit was pulled recently, the invalid collection was still being reported. My husband contact Ms. XXXX again in the last few days to get this matter resolved. She declined.
Consumer complaint received 2018-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX Dc Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 
XXXX XXXX-XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  Usa, N. A Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/year> Transunion had send me a letter stated that the hard inquiries that were on my report were deleted. And I was very happy with the results until XX/XX/year> I had went to check my credit, I notice that the same hard inquiries that I discovered are back on my report again. I had file a FTC report about this before back on XX/XX/year> transunion block my information, I also file another ftc report in XX/XX/year> transunion block that information. I file a new FTC report in XXXX of XXXX  please look it up. Its not fair to me to keep reporting theses items that I have no knowledge of. And also They dont have no documentation with my XXXX  on it. I need them items to be remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which they have this company down twice!! Coded 15 u.s.c 1681b ( c ) inquiry removal, also by transunion fail to complicate with my FTC report back in the summer. Thats 15 u.s.c damages for noncompliance ( FCRA ) section1681 ( n ) I would like from them to remove this inquires asap.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received an unsolicited and unwelcome offer for credit from Capital One, even after I have contacted the 3 credit bureaus, had my credit frozen and been put on the list to opt out of credit offers ( years ago ). I find this particularly offensive since they have such low customer satisfaction ratings and complaints of unethical behavior from consumers online. This unsolicited junk mail is unacceptable and I will escalate this further if my name is not removed immediately from any future correspondences and any information is not restricted/deleted.
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EDvantage LLC (MA)

Loan Refund is what is due!

Tuition Options, endorsed by the XXXX XXXX XXXX, secured my student loan. I have contacted Tuition Options on several occasions. My loan to attend the defunct school should be returned and I am asking for your assistance. 

Please see finding of fraudulence by XXXX XXXX XXXX, XXXX Ma in text below. 

XXXX XXXX Announces XXXX XXXX in Debt Relief for Thousands of Massachusetts Students Who Attended XXXX XXXX XXXX Former For-Profit School Admitted to Lying and Violating Massachusetts Law ; U.S. Department of Education Takes Unprecedented Action to Cancel Student Loans XXXX Nearly 4,500 students victimized by the now-defunct XXXX XXXX XXXX ( XXXX  ) in Massachusetts will have their federal student loans forgiven by the U.S. Department of Education, Attorney General XXXX XXXX announced today. The announcement marks the first time the Department has granted a state attorney generals application to cancel loans for a group of defrauded students. 

According to the Department, students who attended any of XXXX five career training schools in Massachusetts XXXX, XXXX, XXXX, XXXX, and XXXX will have their loans discharged based on deceptive and illegal practices uncovered by the AGs investigation into the former for-profit school. In addition to federal loan discharges, former XXXX students will also be entitled to refunds of any payments made on their federal loans. The combined borrower loan discharges for XXXX students announced today will total roughly XXXX XXXX.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RAB, INC. (CA)

I initially started to receive calls from a XXXX area code on XX/XX/XXXX. I didn't recognize the number, so I didn't pick it up. Then, several calls from a XXXX area code started to ring to my phone ( my home area code ). I picked up the calls and it turned out to be XXXX XXXX from RAB Inc who claimed that I owed money for wine that I purchased as the owner of the XXXX XXXX XXXX. I repeatedly told XXXX that he had the wrong individual and that I was not the owner of XXXX XXXX XXXX and that it was a supermarket in the floor of my office building. 
He proceeded to let me know he had my drivers ' license number and knew all of my personal information, rattling off my mother 's full name as well. He, then, called my mother with this information and began to harass and scare her. He said that he had my social security number and all personal information about me. We both asked him to never call us again and that he had the wrong person as I was not the owner of XXXX XXXX XXXX and did not have anything to do with who they owed money to. 

It was really scary and XXXX XXXX should be disciplined for this type of harassment and these scare tactics. I have nothing to do with this debt and am just trying to clear my name at this point with the company who is trying to collect this debt. I have been very obviously incorrectly tagged with this debt.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am unable to find any documentation of any contractual relationship which makes them a person entitled to enforce a commercial claim against me.