davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (KY)

Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (FL)

I have been reaching out to The company progressive management system collection agency via phone calls, the representatives refuse to provide me with the physical address and information requested on XX/XX/2023. 
This debt ( {$960.00} ) has been placed on my credit file is not mine.. 
Thank you,
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CO)

I opened a Smart Advantage account with a large enough deposit at the XXXX XXXX Colorado XXXX location on XX/XX/year> with clerk XXXX XXXX who said the amount I deposited was well over the qualified amount of the direct deposit to meet the advertised qualifications of {$4000.00}, to receive a cash bonus of {$400.00} ( as I would not being making other type direct income deposits such as pay-check, pension, SS, or government payments which would have then qualified for a {$600.00} credit ). See misleading and confusing Terms for Cash Offer document. 


Left a message at the local bank on XXXX to return my call about {$400.00} credit that should have gone through by now. No response.
Consumer complaint received 2024-04-22
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Error reporting lateness on XX/XX/year> for XXXX account. Account was closed and paid XX/XX/year>. Title for car was received from loan company, indicating loan was paid in full on XX/XX/year>, therefore lateness was reported inaccurately.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, we wired {$30000.00} to XXXX XXXX XXXX for the purchase of a boat ; however, we never received the boat. Our transfer was made at our bank, XXXX in XXXX, IL, to JP Morgan Chase in XXXX XXXX, NV. We contacted both of these banks ten days after the transfer once we realized the boat was not going to be delivered, to see if the wire transfer could be reversed. However, both of the banks did nothing.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I found out that my account was frozen for no apparent reason. I went to the BOA branch in XXXX XXXX NY, I explained whats going on and he made the call he beleived me after that call. I'm on a fixed income and BOA is holding my funds hostage for no reason. I had XXXX XXXXXXXX and I'm on a fixed income and I have XXXX children and can not afford the high corporation bank as BOA to keep getting away with this.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (OR)

I applied and called upgrade as requested due to I have a fraud alert on my credit report. XXXX said I was verified and all was good. I verified the limit originally offered and my info as requested. XX/XX/2021 denied saying unable to verify identity??????? So I called and was told nothing I can do! No one to speak too but the rep agreed per notes I was verified.
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

SANTANDER CONSUMER USA claim that I owe them for a car loan and they have not shown me any proof that I owe this alleged debt.They claim I owe {$12000.00}. It was was sold to XXXX XXXX XXXX XXXX who I gave a call to about this alleged debt. They told me they do not have anything in their system saying that I owe this alleged debt and I would have to contact SANTANDER CONSUMER USA. When I contact SANTANDER CONSUMER USA they claimed that I do owe the this alleged debt which is defamation of my character on my credit report. This is FRAUD.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-12-31
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. (NY)

I submitted a dispute for the XXXX XXXX and XXXX  XXXX on my consumer report. Experian verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX  XXXX and XXXX from my consumer report.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Here to establish this party having full faith and credit, to nearly any amount of debt tendered. 

Please see attachments. 

With substantiated facts, I place a postage stamp backed by gold, with my endorsement across diagonal, dated XX/XX/2024 XXXX : no dashes, pursuant to being alive, living, flesh and blood, repudiate signatures, power of attorney and any contractual obligations I didnt not knowingly, willingly and intentionally commit to. 
The facts of international bill of exchange will tended all debts, and pursuant to 12 U.S.C. 411 alongside a host of codified notations, as well as treaty benefits expressed pursuant to w-7 and sf-181 forms completed. 

XXXX XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (TX)

On XX/XX/XXXX my parents had received an offer to install solar panels by a solar panel installation company. They went through with the process and signed for what was agreed for XXXX $ monthly payments at a XXXX $ loan. What proceeded to happen was that nothing that was signed and agreed upon happened, and then that the amount raised to! XXXX XXXX They failed to install everything, we weren't receiving the promised electrical bills, our fees doubled to XXXX $ + monthly, and they haven't tried to help us and are only requesting for us to pay bills. They are not assisting us with finances or clearing up the problem. We wanted to speak to the representative that helped us and the company says they for fired for fraud and that we have to pay up. To this date my parents have not paid anything and are in a case with a lawyer for civil litigation trying to repair their credit and sue the company for fraud and breaching the contract and failure to communicate or try to help in any way. Our lawyer told us there is thousands of these scams going around the United States and that they got caught up in it but he'll help us. Forwarding to XX/XX/XXXX, I randomly received an email from XXXX XXXX, that my account is delinquent and I'm in collections for the same company. I was astounded by how this could happen when I was out of state working while all this signing and solar panels contracting happened. It was during the holidays so I couldnt speak to anyone. Now I have called the lawyer and he told me to go ahead and file a dispute and this is what I assume a way to dispute. I have not signed anything and was never part of the contract, we have the paperwork and contract still and I appear nowhere on that paper. I contacted goodleap to see what happened and I thought that maybe they got confused on the name because me and my father have a similar name. They said I was a cosigner-Co-User for the loan,. I tried speaking with them and fixing it but they just want payment instead. I have never been part of this and have no idea how they obtained my information. I was never part of it and it was never on my credit reports/score until XX/XX/XXXX and i'm sure they committed fraud. 
I contacted the company GoodLeap and they told me that no person with my last name, which is different from my fathers is on the contract or on the collections/report. I have no idea why I got added, they told me that I shouldnt be part of collections. But they have not removed me.
Consumer complaint received 2021-12-29
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. (GA)

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

Experian XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX  which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes XXXX  make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Consumer complaint received 2024-04-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Credit Fresh Holdings Inc (FL)

I applied and was approved for a line of credit in the amount of {$3000.00}. I initiated a draw of {$1000.00} on XX/XX/XXXX. I did not receive funds. I called their customer service number and was told that although I did online bank account verification, my account number was incorrect and the wire did not process. Since that time, I have done several chats with customer service online and by phone and have been told that a wire trace was initiated. I've been told the trace would take 2-4 days, then 3-5 days. I have told the company I no longer want the loan and want my account balance to show XXXX before my first payment date of XX/XX/XXXX. Their standard response is that they will XXXX my account once funds have been returned but will not provide a copy of the wire trace request. My bank, XXXX XXXX, has said the wire would have been returned immediately for an incorrect account number. I have told the company, CreditFresh, that I will not make funds available for the payment withdrawal because I have not received the loan. They have repeatedly directed me to verify my bank account which I have done several times. It has been 7 days and I do not have the funds, they say the wire trace is done by phone and that they can not provide a copy. The bottom line is they say my payment with be withdrawn until they have proof that the funds have been returned. I have offered proof that my account was not funded and they will not accept that. My most recent phone call was XXXX and they said all they can do is " escalate '' to a supervisor for review but when I asked to speak to a supervisor I was told none are available.
Consumer complaint received 2023-02-09
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. (MS)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Line of credit. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online FCRA VIOLAITONS REMOVE INQUIRES XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - UNKNOWN PAYMENT SHOWING FCRA VIOLATIONS FIX THIS SEE ATTACHMENTS
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

To whom it may concern, I am XXXX XXXX XXXX, XXXX ( XXXX last SS # digits. ) ( XXXX last digits of checking account. ) The Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX Changed by checking account to a interest bearing account. A {$25.00} a month fee has been taken from my account for at least the past two years. The change was without my permission or knowledge. I have had this account since XXXX  Sometime during the pandemic they changed my checking account without my knowledge or consent. I want my funds returned. Please help me in this matter. Thank you in advance for your help. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought you would be interested in this story I found on XXXX : Bank of America to pay more than XXXX XXXX for doubling fees, opening accounts without customer consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX