davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AmeriHome Mortgage Company, LLC (CA)

I previously applied for Mortgage Assistance/Loss Mitigation to be able to resume my loan once the forbearance ended. 
I was approved a XXXX XXXX pending the completion of XXXX trial payments and receipt of the notarization of the loan modification agreement. 
After I completed the XXXX trial payments for XXXX, XXXX and XXXX of XXXX I was told that the Loan Modification agreement would be sent to me via XXXX. 
The loan packet that was due XX/XX/XXXX but it was delivered to my downstairs neighbor which I then received late from her. 
I called AmeriHome immediately in XX/XX/XXXX to ask to make a payment and to tell them that the packet was received by my neighbor and not me, but I was told that I would have to reapply and could not make a payment until the application was reapproved. 
I reapplied and submitted all requested information in a timely manner. 
AmeriHome did not complete my application until XX/XX/XXXX and this time around I they denied me for the following reasons : The hardship provided did not meet the program requirements, Your Hardship duration is long term or permanent, Your account is greater than the maximum number of months past due and The principal and interest portion of your payment is already less than the proposed modified principal and interest payment. 
I called AmeriHome and was told that my only option was to call the attorney and pay the reinstatement amount of over {$40000.00}. Before the sale date of XX/XX/XXXX. 
My hardship has resolved and I am very capable of resuming my loan even if modified at a higher rate. 
AmeriHome having received the packet late was out of my control and I remained in communication with them as their records must show. They should honor my trail payments and application and allow me to resume my loan or modify a new loan. 
And, if not possible then they should allow me time to sell the home that holds equity so that I can pay the loan off in full and not foreclose. 
On XX/XX/XXXX I submitted a request asking that they allow me to apply for a traditional modification if I can not qualify for the flex modification or for whatever foreclosure prevention programs available. I also asked to appeal their denial based on the facts that I was already approved. 
My hardship originated from XXXX as it caused financial burdens on me and my family who were faced with illness and loss of work. 
My financial hardship has since been resolved as I have been employed full time with an annual salary that is sufficient to support the loan. 
PLEASE stop the sale of my home scheduled on XX/XX/XXXX and help me retain my home that I can afford at this time and will resume payment with no further delay. 
It is unjust to lose my home and equity to foreclosure when I have the ability to resume my loan and was already approved.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (WA)

I inherited a home in XXXX. I changed cancelled the homeowners policy already in place since it was in my deceased partners name and obtained one in my name with the same insurance company and same coverage. 

The mortgage company wont accept this insurance saying the home is still in my deceased partners name though the title is now legally in my name. Because of this the mortgage company forced me to use their homeowners insurance which is a tremendous increase in my monthly payment. 

I have sent them copies of paperwork showing I now legally own this home and have homeowners insurance in place. They wont accept this. 

The increase in my PITI is huge, {$300.00} a month, and a tremendous hardship. I am hoping you can help with this.
Consumer complaint received 2023-08-31
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. (VA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT ED/XXXX XXXX Balance Owed : {$4200.00} DPT ED/XXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT ED/XXXX XXXX Balance Owed : {$1700.00}
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (AK)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-08
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. (OH)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-29
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So Bank of America has been committing a whole heap of fraud to their own customers which they keep having to pay back in fees to all the consumer reporting companies. I just want my money back which has been taken and stolen from me since XXXXXXXX XXXX in the amount of XXXX. Worst bank of all time who preys on minorities specifically XXXXXXXX XXXX. They never gave me a proper reason as to why they stole my money or given any indication as to why they have done so. Will be posting this all over social media because this is ridiculous, theyve kept my money XXXX for 3 years.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

Hi, this is a follow-up on XXXX XXXX. For context, Incomm Financial Services locked my visa gift card in XXXX and still havent provide any resolution. I received an email from InCommLossPrevention@incomm.com claiming my gift card has been activated and available for use. But when I tried to pay rent with the card, the payment was declined. They also replied in Case XXXX claiming A replacement card in the amount of {$500.00} was expedited via XXXX to the address provided in the complaint.. I havent received anything and my XXXX doesnt show any package coming my way. When I called them last week, I was told by the customer representative that it takes 4 business days for the card to be activated. When I called in today, I weas told that I need to wait for 24-48 business hours in order to get an update on the case. I was also told by a supervisor from Incomm Financial Services that the week of XXXX XXXX doesnt count as business days. At this point, this company looks like a fraud and the customer representatives keep gaslighting me but no resolution has been reached.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 a 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 2020-07-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I purchased a vehicle that I had previously leased from an automaker ( XXXX  ). I had attained financing thru my credit union and negotiated the purchase of the vehicle but because of ineptitude at the dealership a financing account was established with XXXX also. As I did not try to start an account with XXXX I informed them and did not pay on that account. They did not close or deleted the account and so it went into default. I contacted XXXX and notified them of this fact and they corrected the situation ; closing and deleting the account. I notified the credit reporting agencies of this error asking that they delete the incorrect account information. TransUnion never deleted the error and then went on to claim that the disputed information was in fact verified as accurate when I submitted a dispute to them. The other credit reporting agencies were able to delete the incorrect data but not TransUnion as it seems.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I need help! 

Every single check I have deposited into ANY of accounts for the last 8+ months have had a 10 day hold placed on them. It doesnt matter which account, whether it be a savings account or a checking account, the bank will easily accept the checks ; however, once deposited, the next day I am notified that Chase Bank has placed a 10 day hold on my deposit. The way I was notified was by logging into my account and seeing that my account had a hold on it. I was not even given the courtesy of an email or a text message saying this had occurred. 

Every single time this occurred, I would call Chase and do everything I could to get the check released. I have been denied access to my own money more times than granted access to it. Every title time I would call I was told I was randomly selected for a 10 day hold. I could understand this if that was truly the case. The Customer Service Representatives say the same statement that its complexly random. On one occasion, the Customer Service Representative told me a check issued by the courts through my Attorney was a fake check. My Attorney had to get involved in this and still, nothing came of it. Every single check Ive deposited has had a hold on it. This is not a random system, I am being discriminated again.

I sell Real Estate and I also own rental properties. On many occasions I will have large sums of money coming and going from my bank accounts. Up until 8 months ago, I have never had an issue with any checks I've ever deposited! 

Now, because of the random out of control 10 day holds Chase Bank has placed on ALL of my accounts, MY BANKS actions, I have resulted in my credit being ruined, having credit cards shut off, having checks bounce and my staff 's payroll was denied. Every single instance this has happened, its all because of Chase Bank placing a 10 day hold on all of my deposits. 

I write to you today because I need help! As a single male I run a few businesses. Others depend on me for their livelihood. Chase Bank is deliberately causing much undue emotional and financial stresses and ruining not only my reputation, their actions are ruining my business.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I returned an item to Best Buy - Citibank card. I had already paid the balance so the return resulted in over a {$1000.00} credit balance as I chose not to repurchase from Best Buy. I requested a refund of the credit balance XX/XX/XXXX through help & support email, they responded that a refund would be issued to my bank account in 5 business days. I contacted them again when the refund didn't come on XX/XX/XXXX, the told me another 5 business days. Today I contacted them and they said refund would be made by check in the mail in 7 to 14 days. I told them that was unacceptable because I had already waited since XXXX XXXX and the law is 7 days from written request. They forward my email to the " correct dept '' and cut off contact. I am getting the run around while they are withholding my dollars and I would like a resolution. I have no confidence that I will wait another 10 days to not get a check and start all over.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (IL)

I have a mortgage with Mr.Cooper. I was told back in XXXX of XXXX that my PMI would fall off in XXXX of XXXX, because I will reach 20 % of the loan and no longer be responsible to have PMI. Its now XXXX and my PMI did not come off. I called Mr.Cooper ( XX/XX/XXXX ) to see why this is and they told me its because I have a rural housing loan and that it will be on there until the loan is paid back in full. This is not true, I have a conventional loan. When I confronted XXXX that this was not true he said I must of been mistaken when I purchased my home and this in fact was true. I told him I want to see what he is looking at and show me where I signed because I have proof that I have a conventional loan. He said he would send it to me but never did. I asked to speak with his supervisor and he sent me to one of their specialists. I then spoke with the specialist XXXX and she apologized to me that XXXX must of miss spoke. I told her I find it shady, that this sounds like fraud and should have never been confusing for him to miss speak on. She agreed with me and told me how sorry she was. I asked her why hasnt my PMI been released, she said it because I havent sent in the proper paperwork yet and there is between $ XXXX {$200.00} service fee. She will email me and send me the release in the mail. That this is their process. Which sounds even more shady. This morning XX/XX/XXXX I went to access my loan and it says there is no loan to be found. Both individuals would not share their last names and said it was policy as well. Please investigate this, this has fraud all over it.
Consumer complaint received 2024-05-04
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: DIGITAL FEDERAL CREDIT UNION (FL)

I have a hard inquiry on my XXXX XXXX XXXX XXXX report on XX/XX/year> which I do not recognize or authorize and I want it to be immediately delete
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-31
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-04
Product: Credit 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: AMERICAN EXPRESS COMPANY (GA)

On or about XXXX XX/XX/2024, I made a purchse from XXXX on XXXX with my American Express card using a combination of points and credit. I canceled the purchase with XXXX prior to it being shipped by the merchant, on or about XXXX XX/XX/2024. The product was shipped anyway, on or about XXXX XX/XX/2024. The purchased reached and was held at the XXXX distribution center on or about XXXX XX/XX/2024. 

On or about XXXX XX/XX/2024, I filed a dispute with American Express, who immediately placed my points and a credit back on my account. When XXXX disputed my charge back, American Express reversed the credit. I still have not received the unwanted item, nor a refund of my points and charged amount. 

XXXX said they could not refund with an active dispute, but American Express said that their refund would have closed an active charge back. American Express said XXXX was paid and the dispute closed. 

XXXX said it would reach out to the seller and resolve the issue by Friday XXXX, XX/XX/2024. On XXXX XX/XX/2024, the merchant refunded about {$240.00} of a {$720.00} charge. XXXX said they had no role except to reach out to merchant, but XXXX reached out to American Express. 

American Express is saying they have no role, but it was American Express who reversed the charge back at the request of XXXX without an investigation, which would have demonstrated the item was canceled and never received. If I never received the item, I should not owe the money. My points and charges should be reversed. 

XXXX, can not provide a partial refund, because they shipped an item after cancelation, also when there were no terms and conditions for such withholding of funds with a return written on the site.
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (AZ)

It is a mass loan request site, I filed a request and it was sent out to multiple lenders. I received {$600.00} in my bank account on XX/XX/XXXX of this year. I also received a decline email for my loan request XX/XX/XXXX stating my request was denied. As confused as I was, I didnt think too much into it. They started taking payments every two weeks the day after my paycheck deposited, amount being {$160.00}. Thus far I have paid about {$670.00}. With further inspection and finally being able to locate the expected payments, according to the site I am expected to be making these payments until XXXX, equaling out to just short of {$3100.00}. I have spoken with an agent as well as a supervisor, all automatic payments have been stopped and supervisor advised me to file fraud.