davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN ADVISORS GROUP (NJ)

on XX/XX/XXXX my husband and i applied and were granted a reverse mortgage from AAG. On XX/XX/XXXX my husband passed away and I informed AAG in a timely manner. They sent me paperwork to fill out to stay in my home as I am considered a NBS ( non borrowing spouse ). I took all the pertinent paperwork to my attorney and he had me execute the Non Borrowing Spouse Certificate, Administrators short certificate issued by the XXXX county, New Jersey Surrogate on XX/XX/XXXX ; Death certificate for my husband, XXXX XXXX XXXX, True copy of Administrators deed for the property in question and true copy of transmittal letter to county clerk. I was told by AAG that they had to receive all these  documents within a 90 day time frame. All the above documentation were sent by fax and USPS by my attorneys office on XX/XX/XXXX. By XX/XX/XXXX of this year, i discovered an appraiser was looking for me : they told me to call AAG, which I did, they then told me they had not received the documents in time and i was going into forclosure. I went to my attorney and he spoke to AAG and we discovered they had received the documents on XX/XX/XXXX, so we thought the problem was solved. I received another call from AAg today, XX/XX/XXXX telling me that an error was discovered and they were now proceeding with forclosure. AAG claims my attorney, who has been practicing law for 30 years, left out certan wording and that made my claim null. I will be speaking to my attorney first thing tomorrow morning and wewill decide how to proceed from here, but both he and I have found AAG to be deceitful, obtuse and in general a terrible lender. Therefore, regardless of the outcome of my case, I would like to file a formal complaint against AAG for harrassment and deceitful practices.
Consumer complaint received 2017-07-27
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. (NV)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had XXXX to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that Santander account # XXXX has put this vehicle on my credit report.
Consumer complaint received 2020-12-19
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)

On XX/XX/XXXX an account from XXXX XXXX  was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2024-03-20
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. (FL)

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Dea

r : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FISERV INC. (NV)

I called XXXX  XXXX XXXX because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX  in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX  XXXX XXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.
Consumer complaint received 2020-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I requested verification of this debt from this collection agency all they did was send me another collection letter stating that I owe them {$1100.00} This company put a collection on all 3 of my credit reports without verifying or proving that I owe this debt. This company has failed to send me any documents stating that I Owe this debt. Its not a surprise that ARS has an F rating with the XXXX XXXX XXXX  because their a company that's practicing illegal practices. If I did Owe anything it was never to Account Resolution Services! I never had a contractual agreement with this company. Collection Agencies buy debt as an investment which is Unjust Enrichment. If This is my debt please Validate that this is indeed my Debt Show me proper documents proving that I Owe Account Resolution Services {$1100.00}. Account Resolution Services are denying Me and millions of other consumers validation of debt requests. ARS are in Violation of Fair Debt Collection Practices Act. The FDCPA supports my right to demand a Validation of debt, Documentary proof that I owe exactly what ARS is claiming i owe. Please delete this inaccurate misleading collection off of all 3 of my credit reports.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : 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
Consumer complaint received 2023-05-26
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 reviewed my credit report and I still see the disputed account in my file I already request verification and a fix to the disputed account. Therefore I am filing a follow-up complaint to ensure that the listed account is updated Please fix the listed account : XXXX  XXXX XXXX Balance : {$630.00}
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

Todays Date : XX/XX/XXXX I bought 2 XX/XX/XXXX from Apple.com. Apple offered me their Apple card to pay with installment with no interests for 24 months I applied and got a credit for {$5000.00}. 
After I completed the transaction, I received statements Goldman Sachs. In my wallet showed I which they awarded me a daily cash. I was not consulted nor I was awarded of beautiful rewards. Few weeks later I returned both phones and asked for a refund thinking that my account will come back to XX/XX/XXXX= {$5000.00} the original credit I was given. 

Since I did not owe them anything I decided to close my account. I searched several ways to close my account, but I could not find the way to do it, nor an explanation of this daily cash in my balance. Very, very hard to do it. Instead it appeared {$4800.00} and {$150.00} cash in my cash card. 

I contacted numerous Apple employees, equal to numerous hours hanging on the phone and transferred to 7 different departments until finally reached the one that told me that my account had to be dealt with Goldman Sachs ( the issuer of the card ). This was after 2 HOURS. 

By the way, none of all the employees I spoke with would volunteer the direct telephone number to Goldman Sachs Apple card billing department. 
Finally, XXXX, Goldman Sachs employee informed me that in order to close the account I had to spend or give {$150.00} surplus money to someone else, as a gift. I was forced to put his bank acct. routing number and bank acct. number and transfer that money to him. 
The {$150.00} surplus money in my Apple Credit Card got accumulated from the daily cash. It was preventing Goldman Sachs closing my account. XXXX, made it very clear that I needed to spend {$150.00} in order to get rid of the Apple Card Account. After a painful step with her on the phone, I succeeded to complete the process. Eventually, she proceeded to finally close my account. 
Now, I am intrigue by this manipulative Apple Card / Goldman Sachs act that only them can explain. What would happen to my friend when he will receive this money. Because I asked XXXX at Goldman Sachs and she did not know. I am afraid that I did something wrong or illegal following instructions following Goldman Sachs employee. 

Relating this to my friends, they reminded me that in XXXX Goldman Sachs defrauded investors. 
Goldman Sachs Finally Admits it Defrauded Investors During the Financial Crisis https : XXXX Sadly, the government instead of punishing them gave millions of dollars bonuses to its CEO.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

Dear US BANK I am writing to dispute the following information that appears on my consumer report : Late payments based on fraud charge/possible intentional non contact regarding account Account Number or other information to identify account : Source of dispute information : Us Bank Type of disputed information : Late payments on unauthorized charge. Was not notified of late status. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Charge was not authorized by me. Subscription to XXXX XXXX   was cancelled and XXXX was sold. Account had to have been accessed and card was still on file. I was not contacted regarding the charge or any of the late fees. When I locked my card/filed the fraud I instantly got notification but not when the account was delinquent. Intentionally did not attempt to contact me to run the charge from $ XXXX- {$170.00}. The only way that I found out about this charge was when It hit my credit report and now they are refusing to remove the information from my report. 
I have had nothing but issues with this institution since XXXX. I put my paycheck into Us Banks ATM and THEIR piece of hardware malfunctioned and gave me a receipt stating my transaction could not be processed. I went into the branch and they did nothing for me, not even a provisional credit to my account so I could pay the rent that was due the following day. I had record of depositing this amount if not more every time I got paid and had the stub of the check. If I had not had friends who had money at the time, I would have been kicked out of my house to the street and US Bank did not care. 
After this I asked them to cancel my checking account because it pissed me off so bad. I was told I had to wait until the process was complete and my account was never cancelled like I had requested. I do not have any issues with my other financial institutions and am contacted if anything is late. My payment history is not questionable. 
So now this comes up in the middle of me applying for jobs that run credit checks, and here we go again with this institution. I called and even spoke to a supervisor and once again this institution does not care about the fact they are going to cost me more than the money value on the account even when I let them know I would pay for the fraudulent charges and just want the report to be fixed. Unfortunate and unsatisfactory that I have had to deal with issues multiple times when the simple solution would be to remedy the problem immediately. You can report that it was incorrect just like you reported it to the creditors, so please stop lying to me when I contact you. I left this account open because it was my oldest line of credit and now, I am kicking myself for ever doing business with US Bank. I apologize if this comes off rude and is not a personal attack to whomever is reading this. I just want it to be made right.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affiliated Acceptance Corporation (TX)

On X/XX/17 I checked my checking account and saw that there was an automatic draft from Affiliated Acceptance Corporation. This is the company that handles the payments for my son 's XXXX XXXX. I first emailed the AAC the same night, then called them the next day to speak with customer service. I explained that I have been paying monthly for over a year, and have never authorized an automatic draft in that time. They explained to me that back in XXXX of this year, I updated my card information ( which is how I have traditionally paid the bill, with a card number that was stored on their site, but that card was lost ) that I did not take my card information back out of the system, which authorized future automatic payments. Because I paid the bill ahead of schedule the following month, I never knew about the draft until this month, when I was late. I eventually spoke with a supervisor named XXXX, who was exceptionally rude, and was told that the payment would not be reversed, and that Affiliated had " no control over what you did or did n't do on the website ''. AAC then contacted the dojo the same day ( X/XX/17 ) and was told by the owner to reverse the payment and return the money. An AAC agent named XXXX called back to verify that I was not doing a stop payment through my bank, and that she would reverse the draft. I called back that evening and was transferred to XXXX, and clarified at that time that a stop payment had not been done. XXXX then confirmed that she had taken care of the issue and that the payment should be returned to my bank within 1-2 business days, but no later than Monday, X/XX/17.
Consumer complaint received 2023-05-26
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

The company XXXX XXXX Experian explained to me that they would not except my dispute because they feel its from a third-party. 
I continuously explain to them that the dispute did not come from I sent them my ID verification I also sent them documentation for address verification They told me to dispute over the phone or online I explain to them that I did not want to dispute over the phone or online because I did not want to give up my rights Please re-investigate this matter and remove it from my report
Consumer complaint received 2019-12-06
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. (NY)

XX/XX/XXXX and XX/XX/XXXX 4 credit inquires for a car loan to apply was denied but i did not authorize the approval of the application to be applied for my mother decided to apply for both of us and used my information
Consumer complaint received 2020-12-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Our complaint is with XXXX/Loancare. 

On XX/XX/2020 we refinance our mortgage from Loancare to a different lender. On XX/XX/XXXX we sold our home. It was brought to our attention that we still had a title lien from Loancare pending in addition to our current lender. On XX/XX/XXXX, I phoned Loancare and they said they submitted the lien release on XX/XX/XXXX and that the countXXXX had 120 days to process the lien ( at that point I was 97 days out ) and that I should check back on XX/XX/XXXX. I phoned XX/XX/XXXX and inquired about the process, they said Its still isn't released, I advised I had a closing on the XXXX and that I need to be notified. This customer service agent didn't seem to know what's going on. Our title specialist called the county to verify no pending titles were outstanding. The county had no paperwork of my title release. I called again on XX/XX/XXXX, they told me there is a date of XX/XX/XXXX that it should show by XXXX. I stressed that I have a pending sale/closing on XX/XX/XXXX and I need this resolution asap. I was told that a manager would call me. No manager called. I received an email that my complaint has been escalated. I called on XX/XX/XXXX, still no release of title lean. I spoke to a manager called XXXX XXXX out of XXXX. He said he will escalate my complaint, issue me a verification letter and a copy of the release. No one called me. Called on XX/XX/XXXX, spoke with manager, XXXX, who put in an escalation request and stated there was no one else above her I could speak with, I couldn't get transferred to anyone in the escalation department cause they don't seem to have access to a phone. So I am to wait for someone to call me. No one called. Called today, XX/XX/XXXX, spoke to another manager, who stated that the release is scheduled on XX/XX/XXXX. I have a XXXX  balance with Loancare and they have neglected to file my lien release, in a timely and professional manner. They have held up the sale of my home. No company should have that kind of control. 
Completely unacceptable.
Consumer complaint received 2020-12-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.