davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

We had a 3.375 % 30 year fixed rate mortgage with US Bank on our primary residence with approximately $ XXXX in principal left on the note. In XXXX XXXX XXXX  we lost our home to the XXXX wildfires. Our insurance paid out more than $ XXXX, which was being held in escrow by US Bank in order to rebuild our home. 

( 1 ) in the state of California mortgage companies are required to pay 2 % interest on monies held in escrow accounts such as this. US Bank refused to pay us any interest on the funds being held, including the amount held over the principal.

( 2 ) US Bank refused to release any of our funds until we had architect stamped floor plans submitted to them, including refusing to release any funds for debris and tree clean and removal. To date we have had to spend over $ XXXX to get to the point where we have stamped plans.

( 3 ) US Bank refused to allow us to rebuild anything other than a 5 bedroom 4 bath home, despite the fact that our previous home was permitted at 3 bedroom 3 bath, and that was what we were allowed to rebuild by the County without triggering onerous permitting restrictions. This is despite the fact that even a 3 bedroom 3 bath home would be valued at much more than what was remaining on the note.

This forced us to pay off our mortgage in order to rebuild our home, despite the fact that we did not want to. We were concerned that rates would rise and we would be required to take out a loan at much higher interest rates. We are now in that position and rates have gone up to the point that we are now concerned that we wont be able to afford a new mortgage once our home is rebuilt.
Consumer complaint received 2022-04-11
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: CarMax, Inc. (PA)

Submitted a preapproval to carmax. Was told it was not affect my credit as it would be a soft pull. Received several hard inquiries. Contacted both the company and 3 credit bureaus, still no results XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-14
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: HYUNDAI CAPITAL AMERICA (FL)

I purchased a new car from Kia Motors Finance in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to Kia by the USPS. I went to the dealership who told me that Kia would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a 147 point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (LA)

On XX/XX/XXXX, around XXXX, I spoke to loan officer XXXX XXXX XXXX # XXXX. He was extremely rude. I was shopping for a mortgage refinance loan and he tried to keep me on the phone when I told him I would need to talk to my husband before I move forward with the mortgage. I have the right to shop around and get quotes from other banks. I was told not to hang up and to trust him. I felt pressured into agreeing to a loan. I told him I want to speak with my husband before I decide to proceed and accept the loan offer and XXXX told me, dont call me back. I probably would have agreed to the loan if I had longer than ten minutes to decide if I approved of the loan terms. I felt threatened and pressured. I am woman and of a protected class. I dont think he would have pressured a male applicant the way I was pressured. I feel AmeriSave is violating fair lending laws with their high pressure tactics and possibly UDAAP violations.
Consumer complaint received 2021-05-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Cosigned for mortgage in XXXX. Account seriously delinquent since at least XX/XX/XXXX. Never notified of delinquency EVEN to date by XXXX or the primary borrower. Discovered XX/XX/XXXX when routinely checking credit report. I don't even have an account number for this loan! My credit score dropped from XXXX to XXXX in XXXX because of this account. I obviously pay my bills! XXXX, by NOT informing us of the delinquency, has engaged in unfair credit reporting. How can I be expected to resolve this matter if I'm uninformed? This could have been resolved 2 years ago & modifications made. As I stated I don't even have an account number. Also we have NEVER lived at the address of the loan nor have we EVER received mail there. The address was added to our credit report XX/XX/XXXX without our knowledge or consent! An XXXX representative informed us that the primary borrower can request that the cosigners NOT receive notifications! If we have EVER been notified of issues with this account, please provide us the addresses or phone numbers notified because there are several wrong phone numbers & addresses listed on my credit report.
Consumer complaint received 2023-06-23
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (OK)

I am filing a complaint against FRANKLIN COL because they are attempting to collect a debt that I do not owe them. Account Name : FRANKLIN COL, Account Number : XXXX I would like for FRANKLIN COL to removed the above account from my credit report because it has already been paid. This incident has been very detrimental to being able to obtain a house.
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CA)

I received a Notice of Debt letter from Capio Partners dated XX/XX/21. Letter was received by mail on XX/XX/21. The letter claimed that I owed {$200.00} to Florida Hospital, but was willing to settle for a payment of {$120.00}. I called Capio immediately to let them know that the person they are looking for is not me, I have never been to Florida, I have never been a patient at the Florida Hospital, I do not owe them money, and requested that they remove my name from their files and stop sending me letters. The person I talked to was very dismissive about everything, said she would update my address in their files ( which to me indicated that they would continue to pursue me to pay the debt ), was extremely rude, and told me that if I didn't want to pay the debt that I should contact an attorney. I attempted to continue the conversation to provide proof that I was not the person who owed the debt, but she hung up on me in mid conversation.
Consumer complaint received 2023-05-18
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. (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. 

XXXX : XXXX, XXXX XXXX  XXXX, XXXX : XXXX, XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-10-25
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update or correct them immediately : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-04-11
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 (FL)

The transactions that XXXX withdrawn out of my Bank of America account without my knowledge or consent : 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} The transactions that XXXX withdrawn out of my XXXX  XXXX account without my knowledge or consent : XXXX {$2500.00} XXXX {$10000.00} XXXX {$200.00}
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

15 U.S.C. Section 602 A. States I have a right to privacy 15 U.S.C. Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S.C. 1692 C Companies involved are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In my Marital Settlement Agreement dated XXXX, Page 5 shows that the Bank of America Credit Card belongs to my ex wife XXXX. This was signed by the judge XXXX, in my Final Judgement for Dissolution of Marriage. I have been contacting Bank of America for the last month as this still appears on my credit, and my ex-wife has let it default. On the phone, I continue to get transferred to people who tell me they will look into it, and then nothing. I did receive attached letter dated XXXX, saying it could not be transferred to a 3rd party. She is NOT a third party and was on the initial qualification for this card. I have a court order that this is no longer my responsibility, and this needs to be removed from my credit.
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

In accordance with the Fair Credit Reporting act Santander /Consumer USA Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CT)

Affirm is attempting to collect on a debt which was paid using XXXX XXXX installments, order ID is XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

Paid off loan but the company has refused to give me my lien release. Moved out of state and need to get tags and they keep giving me the run around about my lien release
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (LA)

My account with XXXX XXXX is past due in the amount of {$810.00}. At XXXX XXXX   central time XXXX XXXX XXXX telephone number XXXX XXXX   and XXXX who claimed she was the Manager spoke to my wife and told her how much the past due bill was. She inform them that they were not allowed to discuss my personal debt with her and they both continued to say it was ok and that because she my wife they could discuss the matter. I never gave them permission to discuss my debt with anyone. They said the phone call was being recorded and they did nothing wrong.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I tried to pay a bill using my Wells Fargo XXXX while traveling overseas. My account got shut down. 

I indicated to my bank that I would be traveling 2 months prior when I made a withdrawal. 

I spent over four hours talking and waiting for the online team. 

I asked for a callback from an account executive and none was made. I was told I would receive a call within XXXX-7 days. 

I called Wells Fargo three times. The first time the access to my account was restored. The second time I tried to repeat the XXXX transaction, I was told I would have to come to a branch to prove my identity. I escalated the conversation twice until I was told an executive would call me back and then hung up on by a manager called XXXX XXXX. 

As you might suspect, its impossible to go into a branch while you are traveling overseas. 

Also their e-mail system responded that I need to log into my account to contact them in writing. The not so funny irony is that I obviously can not. 

Not having access to my account is positively dangerous while Im traveling and blocking access to my funds while I need them is irresponsible.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

In XX/XX/2018 I ordered a kitchen aid mixer from QVC on a payment plan. I never received my mixer. I called them to tell them that they said they couldnt send me a new mixer and to dispute it with my bank. Which I did. Now its in collections why do I have to pay for something I never recived.
Consumer complaint received 2023-07-27
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. (WA)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-05-14
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)

Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (NC)

I spoke with a lady a few moments ago at Medicredit Inc XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. I called to get the collection/chargeoff removed from my XXXX XXXX credit report XXXX I paid the account in full and have the receipt. The lady told me that the can't remove the collection/chargeoff from my credit because they can't release it. I am trying to buy a home and although the account shows XXXX balance, the lender says because it still shows as a collection/chargeoff it affects my financing status.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (NE)

Bank of the West is sending offers to consumers and honoring them. After opening two accounts with XXXX they are refusing to honor their offer. I first contacted them by phone on XX/XX/2022 and was told by customer support they couldn't help me and I should visit a branch. After visiting a branch the same day I got the same answer. At that point I opened a XXXX complaint. After two months of Bank of the West has yet to contact me even after sending them multiple messages via XXXX and visit a branch for a second time. They keep saying the same lies over and over again.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (SC)

XX/XX/XXXX Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX RE : Equifax Acct # XXXX XXXX XXXX Acct # XXXX Dear Sir/Madam,  I kindly ask your help in the following matter. I received an alert via XXXX XXXX. 

The following account XXXX is outdated and should no longer be reported the date of first delinquency on this account was XX/XX/XXXX. 
The following account # XXXX is in error of reporting and amounts owed. I have been paying this account at a XXXX payment center but it charge off account.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (NC)

Hi, My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX XXXX, NC XXXX.
OnXX/XX/XXXX I was in XXXX Virginia on an HWY, I entered intentionally a toll zone HWY, as soon as I noticed it I got out from the toll, a couple of months I received a bill of {$1.00}, I did n't give it much thought, I end up losing the invoice and forgetting to pay it.
Soon after I received a bill from a collection agency ( Professional Account Management, LLC )  with the following info : Professional Account Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX PAM Account # XXXX Notice # XXXX My car plate : XXXX Due Date : XX/XX/XXXXTotal due : {$100.00} I really found it excessive to a theft, to charge {$100.00} for a bill of {$1.00}.
Can you please advise me how to fix this injustice.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX