davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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: AmeriHome Mortgage Company, LLC (AZ)

My home loan was transferred to Amerihome at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from Amerihome in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to Amerihome Mortgage Company , LLC to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly. 

I never received any additional letters or notifications from Amerihome until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ). 

I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment. 

I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent. 

Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at Amerihome to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my Amerihome mortgage by this scam they seem to be running to try and get late fees from clients.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (AZ)

Once again I am battling with USBank who reported a delinquency on my credit trying to ruin my credit reports. They are trying to ruin my credit reputation this bank is discriminatory and I am going to try to prove it! I filled a dispute XXXX who refused to remove it after I stated that the loan failed behind due to a Covid forbearance under the Cares Act I dont believe USBank should be able to destroy my credit they have already stated that they havent done it to anyone else this is becoming a real issue with these banking institutions and credit bureaus. I am filling a complaint against both of them. I uploaded the documents to XXXX and they have not responded or fixed the problem.
Consumer complaint received 2024-07-31
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I made XXXX purchases at the revolving APR on XXXX ( see below ) XX/XX/XXXX XXXX XXXX XXXX XXXX WA {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WA {$450.00} I made the second payment, on top of my MIN PAY of {$660.00} XX/XX/XXXX XXXX PAYMENT - THANK YOU - {$1700.00}
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I have called and emailed to formally express my dissatisfaction with the lack of accurate and timely responses and literal disregard from NelNet and XXXX regarding my student loan account. Despite multiple attempts to resolve my concerns, including several phone calls and emails, I have not received the correct information or the assistance I have been seeking. 

I have reached out several times to request clarification on the status of the court-ordered discharge of my loans. Each time, I have either received incorrect information or no follow-up at all. Many times when I follow the prompts when calling in the call just drops my call. This has caused unnecessary confusion and frustration, delaying my ability to manage my account effectively.
Consumer complaint received 2019-07-10
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: CITIBANK, N.A. (IL)

On XX/XX/XXXX I opened an account in Best Buy for a Best Buy Citi Bank Visa card. I made a purchase for 2 XXXX and XXXX protection. I paid cash after the 10 % discount was given. I can honestly say I no longer have the receipt it was XX/XX/XXXX or so. After a long period of time I received a bill of {$2000.00} dollars that was charged on my account. I called Citi Bank fraud dept right away, to dispute all charges Citi Bank Fraud rep. XXXX stated my account had been reverted back to {$0.00}. XX/XX/XXXX I receive a Citi Bank Visa card as you can see 3 months later. Now also the card is now used again in various location a Best Buy, gas station, grocery store etc etc. I once again call Best Buy Citi Bank fraud dept. Now once again they assured me my account was back to {$0.00}, and another card would be issued. While all this is going on not only did my credit score drop XXXX points over night but it also has taken a toll on metal stress and the safety of my personal information.The bank obviously has a security breach or lack of security of private information. Several weeks ago I received a call from a Citi Bank representative stating they will be charging my card for the 2 XXXX  again because it came up as a purchase near my place of residence even though fraud was committed on several stores thru out the XXXX metropolitan area. They are stating I made a credit purchase there when opening my credit card as I stated before I no longer have the cash purchase receipt. The representative was unprofessional and threatened me after I stated that I would exercise my right to file a complaint, XX/XX/XXXX I filed a complaint with the XXXX .XXXX XXXX a call from a XXXX not actual trying to resolve the issue but stating they are going to charge my account the {$850.00} on my account once again because the store charged it to my account and because it was close to my residence. She also stated that someone activated my card with my SSN and my card was delivered to my house. How XXXX is able to prove it was delivered to my residence beyond a reasonable doubt is a mystery to me. Citi Bank not only caused metal anguish, distress and inconvenience, but it also baffles me how a Bank can be so inconsiderate and so nonchalant of their security breaches, and customer care and experience.No apologies no compensation absolutely no remorse. I no longer wish to have an account with them or have any contact with them or their representatives. I wish to close my account in good standing with a {$0.00} balance and forget all this nightmare has even happened and a written apology from the bank, its not asking for to much after 5 months of going in circles. Thank you and have a great day
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (OH)

Account was closed on XX/XX/XXXX. We were notified via email and said a check would be sent to our Registered Agent in 8-10 business days. 
It is now XX/XX/XXXX and no check has arrived. 
I tried multiple times to call customer service and there is no answer. I am placed into a queue and then no one ever answers and I am eventually auto-disconnected. 
I sent an additional email demanding to know where our money is and there has been no reply.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXX : XXXX Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER BANK XXXXXXXX, XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; A XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Kikoff Inc. (VA)

On XX/XX/XXXX I contacted Kikoffs customer service department to let them know I had unauthorized charges on my checking account, in the amount of {$490.00}. At that time I asked if they offered a 10 day provisional credit if a decision or not to be made by then. The representative had told me yes. Two weeks went by and I still have not received a decision nor my credit. On XX/XX/XXXX I called customer service back and asked about my credit, and they proceeded to say they do not offer credits and since they are not the correct department, they could not help me. On XXXX I received a response by email from the support department and they said that it was still being investigated to give to them 60 days and to call the number on the back of my card if I had any other questions. I tried calling a couple more times, to see about getting a credit and each time I was told no. They said they do not fall under regulation E policies, therefore no provisional credit. If you look at my bank statement, their policy states if we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you were home for use of the money during the time it takes us to complete the investigation. So per kikoffs policy I was supposed to receive a provisional credit in the amount of {$490.00}.
Consumer complaint received 2023-07-28
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, XXXX. XXXX
Consumer complaint received 2024-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made repeated attempts to address the fraudulent, inaccurate, and misleading information present on my consumer report, but the issue remains unresolved. The inclusion of these erroneous items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-11-07
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX, XXXX BANK XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
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. (CA)

In my recent CFPB complaint to Experian # XXXX, Experian responded that the reported XXXX XXXX info does exist on my credit report however Experian is still reporting the info which continues to negatively impact my score. Furthermore, Experian has been super quick to allow XXXX XXXX to publish & be the author/authority of negatively reporting & impacting my credit score however Experian takes their sweet time to answer investigations & CFPB complaints as if their is no urgency at the height of inflation & my geographical economic region. I have spoken with Experian over the phone & was basically told that conpanies like XXXX XXXX can put whatever fraud onto your credit report & that is solely up to XXXX XXXX if XXXX XXXX wants to remove it or not which i find to be overly rediculous like i'm being lied to when i know uniform commercial codes that do not allow for this type of behavior.
Consumer complaint received 2023-11-17
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. (IL)

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violating my rights 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
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with XXXX XXXX XXXX  that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX children and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help me.