davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TN)

On XX/XX/XXXX I contacted AmeriHome mortgage company inquiring about a mortgage balance, payoff balance and wiring/ routing instructions. I was given all the information. 
On XX/XX/XXXX Funds were wired from my XXXX XXXX account per the wiring instructions I was given to the loan sub servicer XX/XX/XXXX XXXX in the amount of {$55000.00} ON XX/XX/XXXX I checked my account with AmeriHome and my payment had not been posted. I called AmeriHome and was told they could not find the wire and to wait another day for it to post. 
On XX/XX/XXXX the funds still had not posted. I then called AmeriHome again and was told they were looking into the issue as to send them proof of the wire via email or fax and I did both On XX/XX/XXXX the funds had not posted and I called AmeriHome again and was told it may take 5 days or so to post and that they did receive the wire receipt that included the tracking number. 
On XX/XX/XXXX I decided to call XX/XX/XXXX direct and was basically rerouted back to AmeriHome. It appears all inquires are routed to the same call center. 
On XX/XX/XXXX I received an email on AmeriHome, s website portal that they received my proof of wire and I should hear back from them in 15 days. This is unacceptable as this is a large sum of money that they cant find or just refuse to post. Now I will have to make another mortgage payment in order to stay current. 
On XX/XX/XXXX I called AmeriHome again and spoke with employee ID number XX/XX/XXXX. She acknowledged my concern put me hold hold and then told me that it may take up to 20 days. I asked to speak with the supervisor, told her I wanted the wire traced and funds posted immediately. Supervisor ID XXXX said she emailed accounting and I should hear back by XX/XX/XXXX It is completely insane for a customer to go through this process. With the receipt in hand it should take no more than 2 days to post my credit. Hours on hold, dropped calls while on hold etc., over XXXX that they refuse to locate. 
The XX/XX/XXXX has REVOKED XX/XX/XXXXaccreditation.
Consumer complaint received 2021-01-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (VA)

I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
Consumer complaint received 2021-01-09
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: Experian Information Solutions Inc. (NJ)

I have contacted Experian by phone on several occasions to ask that the hard inquires on XX/XX/XXXX & XXXX 2020 be considered as one. I was looking for a mortgage. I even told them what I found on your website : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 
At least one of the mortgage companies said this is not uncommon with Experian
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US DEPT. OF EDXXXX fictitious nomen and mailing location and accounts not associated to social security nor did I give any consent. These entities must produce wet ink autograph of any agreement.
Consumer complaint received 2021-01-09
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. (OH)

On XX/XX/2020 I applied for a credit line increase on my XXXX XXXX XXXX card with XXXX XXXX. XXXX XXXX notified me that they were unable to pull my credit report because of a security freeze. I informed XXXX XXXX that they in fact did pull my Transunion credit file on XX/XX/2020. Upon investigation by XXXX XXXX, I was informed that there was no credit pull made by XXXX XXXX  on my Transunion credit file. XXXX XXXX indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from Transunion. At this time, I notified XXXX XXXX I was unwilling to do so and that the credit inquiry made by XXXX XXXX on XX/XX/2020 should be removed, as XXXX XXXX  indicated that they were unable to process my credit line increase because they did not receive a credit report from Transunion on XX/XX/2020. XXXX XXXX did not process an application for a credit line increase on my XXXX XXXX XXXX card and therefore the inquiry made by XXXX XXXX on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from XXXX XXXX that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.
Consumer complaint received 2017-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (UT)

I sent Trinity Financial Services an offer letter datedXX/XX/XXXX to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on acceptance to the offer or counter offer. I have called in almost every other day with no response, been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

In XX/XX/2020 I put two disputes with the three major consumer reporting companies, XXXX XXXX, XXXX, equifax, for accounts XXXX XXXX, and XXXX XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for XXXX XXXX deleting XXXX XXXX, but the other agencies didnt respond nor did XXXX XXXX respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXX XXXX and XXXX XXXX from Consumer reports, this is my request that the CFPB so action
Consumer complaint received 2021-01-09
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Some time in the beginning XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was an XXXX XXXX. Due to the COVID restriction, I wasn't able to enter into USA and had to stay in my home country. I stopped using my BofA account. Then I was charged monthly maintenance fee and withdraw limit fee, overdraft fee in the amount of {$330.00}. I have attempted to call BofA to close my account and request fee waiver via international phone call, but the request was declined immediately. 

here are the charges details : Date Description Amount XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Overdraft Fee {$35.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Monthly maintenance Fee {$12.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$40.00} XX/XX/XXXX Withdrawal Limit Fee {$60.00} XX/XX/XXXX Withdrawal Limit Fee {$20.00}
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

From XXXX 2022-XXXX 2022 they have been reporting late payments.. 



Under USC 1681 section 602 : States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was selling a dress and the person posed as a buyer interested after we agreed on the prize and payment thru XXXX on Messenger I got an email that I needed a guarantee money in order to use my XXXX account because it was my first time using it for such a big amount and they had charged her account for me to refund her the money and then the deposit will include the purchase price and that additional amount. I have enclosed pictures of the emails I have then on my phone to file a police report. 

After I got another email saying that they had made a mistake and charge her account twice to please send the money again to fix the problem that otherwise I was not going to get the money for my dress not to worry that my money was safe with them ( XXXX ) I send her the money again ALL THE EMAILS WERE FAKE posing as XXXX. 
It is the first time I deal with XXXX selling something in my life and I fell for it, All the emails were fake and I sent her the money thru XXXX and now, the bank said they can not help
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I applied with Chase to refinance my home mortgage currently with XXXX XXXX XXXX. My current mortgage originated in XXXX and was a 30 year fixed rate of 4 %. My monthly payment of {$1400.00} is paid automatically. I also had a car loan with XXXXXX/XX/XXXXwhich for {$470.00} which was paid in full on XX/XX/XXXX. So with the lower interest rates I wanted to refinance to a 15 year fixed. I worked with XXXX XXXX XXXX a home lending advisor with Chase. XXXX was informed of our finanacial situation details. In order to proceed XXXX requested that I pay {$500.00} good faith payment in order for Chase to proceed. We were told the {$500.00} would be refunded if the refinance did not got through as long as we were not the ones who decide not to proceed. On XX/XX/XXXX Chase would not proceed with the refinance due to our debt to income ratio being too high at 52 % and Chase required 42 % or less. The problem is that we have never been reimbursed the {$500.00} good faith payment. I've emailed XXXX several time and he has asked me to wait 10 - 15 business days and then again an additional 10 business days. Lately I have not received any responses to my email.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (TX)

ACS has stated that I have used all of my forbearance and I have not I asked them to provide with documentation and they have not. In the mean time they are charging me late fees and saying that my account is past due.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, 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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I made a XXXX transfer of {$210.00} through my mobile Bank of America app, to a believed to be legit business on XXXX known as, XXXX XXXX. 

On XX/XX/XXXX I made another transfer to XXXX  XXXX  for shipping cost through USPS. 

On XX/XX/XXXX I received the goods purchased through XXXX XXXX, the site advertises selling authentic name brand clothing and shoes. Upon opening the product, I realized the provided product was what I ordered nor was it authentic. I immediately contacted the seller, approximately 3 hours after the delivery. I told the business that I will be returning their product back to them the same day and that I would like a refund. The business had since continued to respond to my email, but will not ensure my rightful refund. 

This same day I contacted Bank of America, the specialist on the phone gave my a number to talk with the disputed charges team for XXXX. I told the specialist that I do not understand why if I sent my money from Bank of America why I needed to go through someone else for my name. It is the weekend and I am unable to call XXXX, and Bank of America has not offered any help as to how I can get my money back. I have reported this business to the FTC and will also be filing a police report.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: MUFG AMERICAS HOLDINGS CORPORATION (MI)

On XXXX, I applied for a Union Bank Platinum Visa Credit Card, and received an immediate approval ( " Congratulations! Your application for the Non Rewards Card has been approved. You have been assigned a credit limit of {$10000.00} '' ). As part of the application, Union Bank asked if I " would like to request a Balance Transfer to your new Union Bank Credit Card '', which I agreed to. On that day, MUFG UNION BANK NA began reporting the new account to the credit agencies. 

On XXXX, I received a letter dated XXXX confirming that my " application has been approved. Your new card should arrive in the mail within the next seven business days ''. Also on XXXX, I received a new credit card. The account number ends in XXXX. 

I tried to activate my card online following the provided instructions, but the website would not let me due to an error. I called Union Bank for assistance, and I was informed that my account had been closed due to a suspicion of fraud linked with a balance transfer request. 

I was surprised by this for several reasons : 1. Union Bank had specifically advertised this credit card as having a " Low INTRO APR ON PURCHASES AND BALANCE TRANSFERS ''. 
2. The balance transfer request submitted as part of the application process. 
3. I received two confirmations that my application had been approved ( instantly after the application was submitted on XXXX, and in writing by a letter dated XXXX ).
Consumer complaint received 2017-04-08
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

i send money to my brother tru moneygram and have benn a week and he tell me the agency in XXXX dosent have a transaction wiht the nomber i give to him and moneygram tell me they cant give me my money back until he contat they and he already do it, these sound to me like a fruad
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

. XXXX XXXX XXXX ... Account # XXXX ... ..Status legally paid in full XXXX XXXX XXXX XXXX Acct XXXX XXXX .... Legally paid in full XXXX /XXXX  XXXX ... Account XXXX ... .Legally paid in full XXXX XXXX XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX ... . Legally paid in full XXXX / XXXX XXXX .... Legally paid in full All these accounts have been paid and in full, I am going for closing and they report them late and refuse to delete this accounts off as I have paid them and owe them nothing. the even stated paid in full on my report but refuse to update my report and delete them off my report. 

I should be closing on my house this week Friday, which if I don't I will loose {$3000.00} earnest deposit. 
Help me please. 

I have contacted the credit bureaus but they are not helping me.