davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

I would like to file a complaint about AmeriHome mortgage, based in CA.

We closed on our home and paid off our mortgage in full on XXXX. Prior to selling our house we had to pay all liens on it or the paperwork wouldn't go through. Because of this, we had to pay $ 3000+ in XXXX  county taxes that otherwise would have been covered by escrow prior to closing. Amerihome paid our tax bill to XXXX  County after we already paid it, so they were refunded the same day, XX/XX/XXXXir.

When XXXX County refunded our tax bill they did it in a lump sum, and I was given the amount that I had to reference by the county representative ( approx {$200000.00} ) in order for them to find it faster in their system. I called on the XX/XX/XXXXasking for an update and I talked to a representative that said they had to open a ticket and that they had 15 business days from the time they received the check to send out my payment - which would be by XX/XX/XXXX. I called back on the XXXX to verify - and that representative said the same thing.

On XX/XX/XXXX ( today ), I called Amerihome back, after I didn't get the check in the mail, to verify that I would be getting it by the next day. The representative that answered, XXXX, told me that what the previous two people had told me was not correct, and that although my ticket was opened on the XXXX, I would not be getting my money back until 15 business days AFTER their ticket was resolved on the XXXX. I understand policies are policies, but they can't go holding over {$3000.00} hostage for OVER A MONTH, when they received a wire transfer from XXXX  County on XX/XX/XXXX.

Please help/investigate. I'm sure I'm not the only one in GA having problems with them.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF THE WEST (CA)

My spouse and I have been customers of Bank of the West for several years, almost 20 years for myself, and 3 years for my spouse. After getting married recently we have tried to open an joint checking account with this bank. We have tried several times at the branch and after several phone calls, we have been denied without a specific reason. We were told that due to a merger, the process would be easier online and since the approval process goes through a different process, we shouldn't have an issue. We both tried opening accounts, but were promptly denied and asked to visit a branch. I called customer service and was told that they are unable to help with anything related to opening an account, and they refused to provide any contacts for a supervisor or anyone in their retail banking division. My spouse and I have excellent credit, have never issued a bad check, or even over drafted. This bank is denying us a joint checking account and not giving us a real reason why, even the employees that we've talked to don't understand why it's not being approved.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 a fraudulent charge was made at a XXXX XXXX store for {$430.00} using my Venture Capital One credit card account information. I was in a meeting when a pop up on my cell phone screen asked if I would authorize this charge.. I declined the charge. Then shortly after another charge was attempted. I called Capital One and cancelled the credit card. Capital One assured me that these charges were not charged and I would not be responsible..due to their policy of " 0 Fraud Liability '' for the cardholder. The charge of {$430.00} appeared on my XXXX card statement and was reversed. On my XXXX statement teh {$430.00} charge reappeared as an " adjusted charge ''. I called Capital One and they said- that because the purchase was made with a chipped card I was responsible for the charge- but if I could get a police report and information from XXXX XXXX they would re-open the case. So, I did get a police report, XXXX XXXX has surveillance of the transaction and a suspect is under investigation. All of this was documented and sent to Capital One Fraud as  requested by certified mail. My most recent call with a supervisor at Capital One confirmed that the case is closed on their end.. that I am responsible for the fraudulent charge and that there is nothing I can do to re-open the case. I feel totally betrayed and scammed by Capital One. How many people do they do this to you? 
How many people pursue them legally ...? Please help me.
Consumer complaint received 2022-10-17
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. (TX)

I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, XXXX, or experian.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for 22 years if you look at it.By XXXX 's on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of credit karma letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.
Consumer complaint received 2022-10-17
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. (PA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my Law enforcement report from the Federal Trade Commission. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-06-28
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. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (CA)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX XXXX/ dept OF ED : XXXXXXXX XXXX/ DEPT OF ED : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-11
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing today to file a formal complaint against Equifax, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Equifax Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 3. XXXX XXXX XXXX was deleted/removed from my Equifax credit report approx XX/XX/2023 has reappeared to my Equifax credit report WITHOUT me being notified within 5 days in writing. Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Corporations, XXXX XXXX, TRANSUNION LLC, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR XXXX BEAT IN A FEDERAL COURT OF LAW! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! XXXX cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!
Consumer complaint received 2023-05-08
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: 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 account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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. Please update this account ASAP.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (MD)

Hello, According to 15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs. 

I have been in communication with AARGON agency via email and one of the representative called XXXX promised to send out debt validation and HIPAA authorization to validate debt. Couple weeks later and I received itemized bill which doesnt give breakdown of debt. Its been over 30days and I still havent received no accurate validation to prove this debt was mine. The agency also indicated theres no federal or state law violation, but this is a violation of 15 u.s code 1679c.

I request AARGON agency to Cease communication and quit reporting inaccuracies to my credit report. Failure to abide by this will definitely lead to a lawsuit for inaccuracies and messing up credit report. Attached is said communication with agency which she promised to send out a document which she never send out. Now I tag this as FRAUD and also violation of HIPAA and FCRA ACT
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

toyota is erroneously showing a charge off balance on my XXXX credit report starting onXX/XX/XXXX. This account was closed back in XXXX when I had to claim the {$8700.00} on my income tax as income written off and closed. My FICO score dropped for no reason. My current address should be listed as XXXX XXXX   XXXX. I have been a homw owner at the address sincen XX/XX/XXXX. I havent lived at XXXX XXXX XXXX since XX/XX/XXXX. This needs to be corrected in experians credir report. Toyota and XXXX not be resurfacing old debts from the dead. I have leased a XXXX XXXX XXXX since XX/XX/XXXX with an excellent payment history.
Consumer complaint received 2022-12-21
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: TRUIST FINANCIAL CORPORATION (TX)

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Sheffield Financial Co-installment loan-acct # XXXX.
Consumer complaint received 2022-04-19
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. (FL)

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 a account without my written instructions
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

I have case you look at they did not tell you the hole truth your case number XXXX they told you I was late on my taxes I was not I have son needs XXXX XXXX  I had I lot of money going out I am XXXX to put in the spring I call the and ask them if I could have my taxes escrowed and if they would do that I would pay {$100.00} more my payments are and was XXXX a month so I pay XXXX a month they told me they would I found out late in the fall it was going up for sale and the hole time I had been paying XXXX more a month they are the one that did not pay until it went up sheriff sale I thought they had paid it when they had not they talk a bought hazard insurance they did that when I had insurance did it any way I could not afford both then I found out they are telling my payment is XXXX   month no it is XXXX and that XXXX month is more then escrow and them calling they do not just call once a day 4-5 times a day on my cell phone alone they just gave you a lot of paper work and they do threaten me of foreclosure they keep say I late when I am not that XXXX dollar payment I sent three times that caught me up but every sense then the keep telling me I am payment late I am not they go back to the main contract when it is in there favor and that is it and I have not filed for bankruptcy and they keep tell everyone that I have I need help they are as crooked as they come they only tell you half storys only show you part of paper work and lie on what I say they told you I am recorded tell them you need to hear them I need help they have screwed me so bad I can not get a new loan and they are the one doing it I did not take loan with them I did not sign anything for them so why can they come in and change everything and I am paying escrow XXXX year where is that going please help
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my last attempt to get this fraudulent item off my Transunion credit report. XXXX and XXXX have already removed it due to fraud but you continue to violation federal law by reporting fraudulent information not associated with me.