davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I have been working with Amerisave for the purchase of a new home. During the appraisal process the appraisal company took extremely long to complete the appraisal report. Infact as of today ( XX/XX/2022 XXXX XXXX  ) I still don't have the appraisal report even tho " we signed the binding purchase and sale agreement on XX/XX/2022 with financial contingency of 15 days. Today is still within the 15 days time limit. Even if I get the report later today ( they have now promised to give it to us by XXXX today ), I feel like we do not have adequate time to review it and present any counter offers to the seller. I feel like Amerisave is trying to force me into a corner where there is no room for negotiation. I kept following up with Amerisave to see why the report is taking so long several times and they always said to me that they are required by law not to contact the Appraiser. They always told me they have no relationship to the Appraiser. However today morning I found out via XXXX search, to my horror, that in fact the appraisal company XXXX XXXX  is owned by Amerisave. I am extremely troubled to find out that they were lying to me all this time. They could have easily told me it is their own company and I would have requested for an independent Appraiser to review this property. But they told me repeatedly that they have no control over this process and can not call the appraiser directly. I'm worried that since they have deceived me in this, they are probably doing something else deceptive in the loan process and I might end up being in a bad spot in the future financially. Can you help me with my loan process or assign someone to help me? I am troubled about the situation I am in. I like the home and would like to buy it, but would like to have a fair and trustworthy financial partner to work with me in this process.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank allowed an imposter to open a business account fraudulently using my name, then granted this imposter access to my personal accounts on-line. Once on-line access was granted, the imposter transferred over {$45000.00} from my HELOC to their new fraudulent business on XX/XX/2019. Then numerous XXXX withdrawls and cash advances were permitted by Citizens. 

As of XX/XX/2019, Citizens bank has not returned the HELOC back to the prior level. Also, Citizens has not given me access to my personal checking and savings dollars, accounting for an additional {$70000.00}. This lack of access has resulted in several late and returned payments.

I have not heard when I will have my personal accounts and HELOC amount back to their levels/balances prior to XX/XX/2019. 

Citizens allowed an imposter to impermissibly gain access to my personal accounts in CT, and I live in PA.
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CAPITAL ONE AUTO FINAN XXXX Balance Owed : {$0.00}. I have always made my payments on time yet there was a 90-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2023-06-12
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. (GA)

Between XXXX XXXX XXXX and Trans Union credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that Trans Union claims XXXX  hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. Trans Union is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason Trans Union updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. Trans Union is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been XXXX months at this point. XXXX to XXXX XXXX where XXXX going to get a lawyer involved and sue, both XXXX XXXX XXXX and Trans Union for their negligence.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received an account statement yesterday for an account I do not own. It has my name and physical address. I have not opened a Bank of America Account. I do not have any accounts affiliated with Bank of America. 

I reported and called several weeks ago when I received an email from Bank of America thanking me for setting up mobile banking, a second one confirming the mobile banking has been activated and a third letting me know that if I did not make these changes I needed to reach out. When I received the first email I opened it but did not click any links. I XXXX  Bank of America Fraud department and called them. At the time I did not have an account number to reference and the representatives were unable to assist me. They could only verify my name, address and email address were showing active in their system. Now I have a bank statement for an account that is not mine but is in my name. 
I have put a credit freeze in effect and have made a report with the FTC.
Consumer complaint received 2022-05-17
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: Open Dealer Exchange, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 30.3K payment on a credit card account under an open end consumer credit plan as late for at purpose.
Consumer complaint received 2022-05-17
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. (MA)

On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Comenity Capital Bank/ Forever 21 Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2024-02-13
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. (FL)

ON XX/XX/2023 I MAIL OUT A CERTIFIELD LETTER XXXX THUR USPS AND THEY RECIEVED XX/XX/XXXX BUT THEY DID NOT ENTER IT ON MY PORTAL THAT THEY RECIEVE IT. I CALL ON XX/XX/XXXX AND I ASK DID THEY RECIEVED IT A XXXX FROM XXXX ACCT # XXXX AND THEY SAID YES THEY GOT IT ON XX/XX/XXXX AND XXXX WHO I WAS SPEAKING WITH SAID SHE WILL PUT A DISPUTE IN THE SYSTEM FOR THE 1099C AND SHE WILL CHANGE THE BALANCE TO {$0.00} AND I TOLD HER BY LAW IT MUST BE REMOVE LIKE XXXX DID COMPLETELY REMOVE IT AND LATER THAT NITE MY PORTAL SAID THE DISPUTE WAS COMPLETED AND WHEN I LOOK AT IT NOTHING ON THE XXXX ACCOUNT WAS CHANGE NO BALANCE OR IT WASN'T REMOVE PLEASE FIX THIS AND DELETE DUE TO YOU HAVING THE 1099C I SENT IN FROM XXXX XXXX  YOU ARE VIOLATING MY RIGHTS BY 15 USC 1681 ....
Consumer complaint received 2023-10-23
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. (NY)

Its a violation for any Company or Bureau to to repot anything on your credit report without your consent. I have never given Experian any verbal or written consent to report a collection on my credit report. If Experian continues reporting this it is considered identity theft. This is supported by code USC 1681b permissible Purpose. Furthermore, I have disputed this said debt by Security Credit Services account # XXXX in the amount of {$5500.00} several times with it still remaining on my report. Experian sent me proof that the debt was mines with a forged signature nothing like my actual signature with transactions showing payments from my stolen bank card from XXXX. This card was reported stolen and XXXX refunded me the money stolen as their investigations proved the card and transactions were not done by me. I have explained this several times both written and orally to Experian without any rectification. Because Experian has been reporting this it has caused me great stress and I am suffering from XXXX. I am unable to sleep at nights due to the fact that I can not purchase a home or vehicle. Thus why I have reported them to the CFPB.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (SC)

I opened my XXXX  ( Commenity ) account during the spring o XXXX. I was late on one payment over a year ago and they are consistently decreasing my credit limit. 

I called them the morning of XX/XX/XXXX and asked for a reason and was told that they don't have access to the info and that I need to contact the credit bureau, which made no sense to me. 

Now they have decreased my limit to XXXX and I owe XXXX, so they are reporting that I am over my credit limit This all seemed to start happening after I hired a credit repair company that was recommended to me by XXXX XXXX. 

Please help me resolve this issue.
Consumer complaint received 2022-01-09
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. (TX)

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute fraudulent activity on my consumer account. I am a victim of identity theft, I am a federally protected consumer and I did not provide consent to any of the reporting agencies listed above to list information on my report.
Consumer complaint received 2022-05-17
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: Radius Global Solutions LLC (OR)

Radius global XXXX and XXXX XXXX XXXX are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my XXXX report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.
Consumer complaint received 2022-05-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage has not exited us out of Covid Forbearance plan for 8 months now. We have sent hundreds and hundreds of documents that they requested but still no modification or even correspondence to advice us on exit. Now trying to Actively foreclose on our loan.

*2 online applications deleted early on in process along with all documents. XXXX, XXXX and XX/XX/2021 * Multiple over night packages with all documents sent. 
* Multiple Emails sent to Loss mitigation department, with No response from any Loss Mit. Supervisor on the situation. 
* Phone calls to Freedom mortgage every couple of days to check status with no resolution or misinformation given.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

I have sent Honda financial services several certified letters. First letter was not signed for and usps stated " business closed ''. I called AHF and representative gave me another address. Sent certified letter there and have signature dated XX/XX/2016. After 30 days AHF did not mark my credit reports as being disputed as required by the FCRA. I have sent a third certified letter on XX/XX/2016 to same address as second letter but it is now also being returned as " business closed ''. AHF is in violation of the FCRA and i want the accounts removed from all of my credit bureaus as required by law
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KEYCORP (NY)

Key Bank was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. Key Bank continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then Key Bank turned over the debt to XXXX XXXX XXXX. Upon receiving the notice from XXXX, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). XXXX sent another letter address to me with a notarized document giving the appearance that the document came from XXXXXXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX  - XXXX XXXX and the representative I spoke to confirmed the file number XXXX referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX Court would not send anything out on behalf of a collection agency.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I took out a car through honda fiancial services and i was always good on my payments. Recently unfortunatly i was laid off my job, about 4months ago. I was able to keep up with the payments till about 2 months ago and about every week or so honda fin. Would call me and ask about what was going on which i had told them a bunch of times that i was laid off. Any ways most recently i call them back due to a voicemail they left me and i spoke to one of there representatives, which at first was very polite. I called them because of course im concern of my finacial situation. I was trying to look for a solution or help see what i could do so i mention a couple things i heard they could possibly do, and immediatly she turn to this unfiltered, unprofessional, and agressive person. Saying that what ever i heard was wrong that i should know its my responsiblity to pay the payment. I still kept my cool and explained how i didnt ask to get laid off. She still was very rude and said you have to figure it out, again i would tell her more of my situation and again " you have to figure it out '' thats all she had to say. Obiously it upset me with so much pressure put.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TN)

I have a XXXX balance on my Fortiva Credit Card yet they are charging me a {$5.00} account maintenance fee and a late fee if I am late on the XXXX XXXX  monthly maintenance fee. This feee is basic extortion, because if I cancel this account my credit will be negatively impacted because it Will reflect as a closed account and my available credit will be reduced by the available credit limit of the card. This can not be legal.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I saw a notification from my XXXX  account dated for XX/XX/2022 informing me that someone had opened an account using my name & SSN at the Bank of USAA. 

I didn't see the notification until today, XX/XX/2022 so I called XXXX  and told them that it was not me, and they said they were going to close the account and let their security department know. USAA advised me to call all the bureaus and notify the authorities as well.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, and I had a car loan through XXXX XXXX XXXX XXXX. The car was return back to the lender 2 years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot 2 YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL 3 bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well. 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. 


The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-17
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.