davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

On XX/XX/2021 I entered into a contract of sale for a condo unit through my realtor XXXX XXXX XXXX of XXXX XXXX in XXXX county NJ. I supplied the contract to my loan Originator XXXX XXXX of Amerisave Mortgage. XXXX XXXX had emailed me he would attach the property to my loan file and would begin the loan process. Everything progressed as it should. The mortgage scheduled a FHA approved appraiser, the cost would come out of my application fee of {$500.00}. Under the advice from my attorney and from Mr. XXXX, our loan Originator, my wife and I pulled out the money from a retirement account for closing costs on the condo because we needed to advance our escrow deposit. The amount was {$20000.00} to roll into a new investment, the new condo. My home inspection cost {$750.00}. 
Not one time through the whole process did any representatives from Amerisave state the condo was not FHA qualified. All inspections and appraisal were completed and we moved to close on XX/XX/2021. On XX/XX/2021 I received a email from my loan officer XXXX XXXX telling me that the condo in question was not qualified for my loan type and they would not be able to approve the loan. 
My complaint is that Amerisave Mortgage Corp. Loan Originator XXXX XXXX , his staff and other Amerisave representatives had done their due diligence in vetting the property prior to my out of pocket cost. They allowed this loan to proceed, not insuring the condo matched the qualifying factors of my loan type. This mis-step has cost me an out of pocket expense of {$1200.00}. We also pulled funding from a retirement account, {$20000.00}. This will cause us to be charge a early withdraw penalty of 10 percent of the total withdrawn amount on top of the 10 percent ( {$2000.00} ) for taxes at withdrawal.. Had Amerisave 's loan originator and underwriting staff done the due diligence s and properly vetted this property, this purchase would not have been initiated and would have avoided causing my family monetary damages and emotional distress.
Consumer complaint received 2022-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I have contacted XXXX XXXX XXXX which in turn verified several times that this was not my account. The supervisor wrote several letters to Credit Control Corp. Credit Control Corp. was supposed to send the documentation to the Credit bureaus to have the account dismissed. I contacted the The Credit bureaus and submitted multiple disputes, only for it to continuously come back as my account- regardless of the documentation provided from the supervisor of the company. I am now filing A report with the FTC to have Credit control corp held accountable for ruining my credit for an account that they were aware of that I never owned.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a claim with bank of America regarding an airline refund through XXXX. The airline provided me with a full refund waiver back in XX/XX/2022, which I promptly submitted to XXXX that same day for processing. Since then, it has been back and forth with XXXX and agents repeating the same thing ( such as the airline asked us to email them the waiver or we will contact you within XXXX business days and I never receive a call ). Ultimately, the airline processed my refund and XXXX held up the money and pretended to be working my case. From the time I submitted the waiver, I saw XXXX reissued an airline credit for the refund to my account and I quickly contacted them to correct that I was seeking full refund to my card and not an airline credit -- which the airline was also giving me my money back and not an airline credit. XXXX told me not to worry and that it was standard procedure until they refunded to my card. I also contacted Bank of America and was told to stay resolving with the merchant first and XXXX told me XXXX weeks to resolve. Now XXXX  months later, XXXX is still giving me run around and my formal dispute with Bank of America was denied because it was outside timeframe, even though they told me to stick with XXXX and let them resolve the issue. I can not afford to lose this money and I depend on the refund for my financial wellbeing. I do not know who to turn to anymore. I have XXXX of pages of chats with XXXX where agents reassured me I would get refunded, only to have the next agent the following week say they don't have enough information. Your assistance would be greatly appreciated here.
Consumer complaint received 2023-06-11
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account number ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX XXXX  dated XXXX. XXXX, XXXX. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX Credit  card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to XXXX reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially transunion went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
1. I want them to eliminate the fee which they charged to a closed account.

2. Correct this information with the credit reporting agencies.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/21 I disputed two inquires from XXXX XXXX XXXX XXXX on my Equifax credit report, Equifax failed to demonstrate the mandated physical and verifiable proof of adequately achieved permissible purpose.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on my credit report.
Consumer complaint received 2023-06-11
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. (TX)

The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the XXXX XXXX CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-06-11
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. (NY)

I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b
Consumer complaint received 2016-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (NM)

Zia Finance XXXX XXXX New Mexico, with relentlessly harass you if you are ever late or if you default on your payments. 

They will call your employer and they will come to your house to harass you. This is a very sketchy company. They are a predatory loan company. They will continue to harass you even after they have reported to credit agencies.
Consumer complaint received 2023-06-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (NY)

I opened a CD with BMO XXXX Bank online. I transferred {$200000.00} into a CD. I wanted to make it a joint account with my wife. The bank told me that they would send my wife an email link to be added as a joint account holder. They sent the email and it said it had to be completed within 10 days. We tried to complete the link at least 12x on different days. It never worked. We called the bank 4x and spoke to customer service. They told us that they could not add my wife to the account but that they would submit a " ticket '' and have someone call us to fix the problem. No one ever called. I then tried to cancel the CD but they would not allow me. During the last call they told me to just add my wife as a beneficiary. I am entitled to have my wife as a joint account holder to avoid estate problems. And was also entitled to cancel my CD when they could not provide the services that they agreed to provide. The bank took my money, refuses to refund it and refuses to add my wife as a joint account holder. Each time that I call back, the new customer service agent does not see any notes from the former customer service agent, meaning that the agents are merely talking to us, hanging up and taking no steps to fix the problem. The bank is engaging in fraudulent soliciting activities to get money.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express cash magnet card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XXXX as an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.
Consumer complaint received 2021-11-08
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)

Greetings, I XXXX XXXX am writing to expunge the following information from my profile. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

My student loans service changed from XXXX to AIDVANTAGE. I have been trying to make a payment since XX/XX/23 and AidVantage keeps reversing my payments with no reasons as to why they're not accepting my payment. I called my bank and they had no evidence of aidvantage ever trying to collect payment. Aidvantage keep reversing the payment themselves! I tried emailing them 6 times and I have not heard back from anyone. I tried making a payment over the phone and it cancelled my payment and hung up on me. I tried calling customer service and after waiting for a whole hour for someone to pick up, they hung up on me! I have tried to make a payment over 4 times and I have the proof if needed. This is incredibly frustrating and unfair. I researched this enough to find out that this is happening to many others and I am convinced they are doing this in purpose to accrue more interest from us. I am reaching out to my local congressman for help because this company does absolutely nothing to help their customers and they need to be held accountable. Worst customer service I have ever dealt with.
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: EQUIFAX, INC. (NJ)

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.

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. 

XXXXALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** XXXX  Account XXXX # XXXX has violated my rights. 
XXXX  Account XXXX  XXXX  IN CO # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights. 
XXXX Account XXXX  XXXX # XXXX has violated my rights. 
XXXX Account XXXX XXXX # XXXX has violated my rights.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

In XXXX 2016 I called my mortgage servicer to arrange for a payment after my grace period but before my thirty days. This is the first time I was not able to make my payment on the due date in the life of my loan. We arranged for a payment on the XXXX which I made online. They acknowledged the payment and so I moved on thinking it was taken care of. On XXXX XXXX I received an email stating my payment had not been received due to insufficient funds. When I went back to see what had happened I discovered the online transfer from my credit union to Wells Fargo had pulled from savings instead of checking which was were the funds were. I was able to make XXXX payments in XXXX but am now struggling to get out from behind the eight ball each month. I had also had been approved for a refinance with XXXX which will clear all my debt and make it possible to stay current with my mortgage from here on. However, the inadvertent late payment was reported to the credit bureaus and resulted in my refinance being cancelled. XXXX stated they would reinstate the loan file if I could get Wells Fargo to provide a letter stating they would reverse the report to the credit bureaus. I followed the steps which Wells Fargo gave me to write in to request a reversal of the late payment report and faxed all of my documentation to them on the XXXX. I spoke with their review department today ( XXXX ) and they confirmed they had received the documentation and would have answer back to me next week. However, I was told that unless they found that an error had been made by Wells Fargo it would likely be denied. 
The ripple effect of that decision would result in me having to sell my home to save further damage to my credit with no guarantees I will be able to qualify for a loan to get into a new home. 
I am writing to see if there is n't a rule, policy, or precedent which would allow Wells Fargo to reverse the report for late payment and keep this from cascading further. 
Thank you ...