davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I have paid off a collection account with XXXX XXXX on XX/XX/2019. I settled the account per agreement with the collection agency. The sent me a release of debt letter and also filed a request for deletion to the 3 credit reporting agencies. The account was removed from XXXX and XXXX, but still remains as an open account on Equifax. I have made multiple contacts with Equifax and filed disputes. I have contacted the collection company multiple times and the stated that they have sent the request and all other documents to Equifax. As of today, XX/XX/2019, Equifax still shows an open collection account for XXXX XXXX and have stated the account is accurate and has not been paid. All they tell me I can do is file a dispute again. I have talked to two Equifax representatives that stated they did receive the deletion request and it would take 30 days for the account to fall off my report. They stated it was XX/XX/2019 that they received the request to delete and it would be off by XX/XX/2019. When I called on XX/XX/2019, I was told that they have not received any deletion request and the account is not paid off. They told me to contact the collection agency myself and ask them to send the request electronically. I made the phone call to XXXX XXXX and they stated that they have submitted the request already and have been having problems with Equifax with other clients as well. I can not speak to anyone that seems to know what's going on at Equifax and keep getting different answers with no help or results.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called Amerihome several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. Amerihome continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint
Consumer complaint received 2019-10-18
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)

Experian is violating my consumer rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine that accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' The XXXX XXXX account is not mine and I have submitted multiple disputes and Experian is illegally reporting this account on my credit report. 

In compliance with the method of investigation request, please provide the following : A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX the exact amount claimed.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

Complaint against USAA bank XX/XX/2019 I opened an account with USAA bank on XXXX XXXX 2019. 
Two weeks later I started to make a deposit into the account. As I was making the deposit they closed the account. Maybe because they wanted to use my money for free? 
I called them maybe a dozen to find out why they closed it. Finally, they answer that there was no reason so they opened it up again. 
After I deposited two electronic transfers in the amounts of {$2400.00} and {$1000.00}. they closed the account again. 
To use my money for free, again? 
After I had used {$1300.00} of it, they closed my account because they said they had a hold on the deposits. 
They did not tell me there was a hold on the deposits and they got mad at me because I used {$1300.00} of the deposits. 
They said they did not have the money yet. I do not know how they gave me money that was not in my account. 
I did not apply for any loans of ask for any money in any way. 
They said they would send a check for my money after it was released, in 7 to 10 days. After 7 days they released the hold, and then they put another hold on it for 30 to 60 days additional days. They will not give me an answer as to why, is it because they want to use more of my money for free? 
As far as I know there is no reason for any of this. 
I have never heard of any wire transfer taking up to two months to be released. I believe they are harassing me. 
This is a formal complaint against this bank.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

Since XX/XX/19 we have been trying to get the restricted escrow money in the amount of {$4700.00} released to our contractor. Our house closed in XX/XX/2019 and it was too cold to pour concrete so money was withheld at closing for the contractor to come back in warmer weather and complete the concrete work.The work was completed in XX/XX/2019. This amount is separate of our traditional escrow account. Multiple supervisors have been contacted, multiple " incidents '' have been filed to try and get this money released. As of today XX/XX/19 money is still not paid to our builder and a lien is being threatened on our home.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

Refund Request To whom it may concern, I closed on my refinance on XXXX the funds to payoff Lakeview were wired and received on XXXX. Please see the attached confirmation from XXXX XXXX to confirm when the wire was received. The XXXX payment was included in the payoff on XXXX that you received. I received a letter from Lakeview stating that I needed to make a payment or Lakeview would report to my credit. Therefore, on XXXX I made the payment. After speaking to my current lender, they advised that I did not need to make that payment as it was in the payoff that they sent to Lakeview on XXXX. With this being said, I need for you to send me my full payment I sent in error on XXXX. 

I was told by a representative, XXXX, that I needed to write a letter and also include the proof that you had the wire 2 full business days prior to XX/XX/XXXX and therefore you would not need any additional funds from me. XXXX, also stated that Lakeview did not receive the payoff until XXXX, this is inaccurate as you can see with this attachment. I am NOT responsible for the delay in which XXXX XXXX receives funds and then moves it over to the payoff department. This is something that your company will need to handle on your side. 

I expect a full refund for what was paid in XXXX as my overpayment. 

I have a Ledger Report showing it was paid on XX/XX/2021 which is 2 days prior to the end of month. I can show proof at a later time as there is to much private information on it to share here.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

Everyday for weeks I have received a prerecorded phone call that says " This is a call from the Collection Bureau of Ft. Walton Beach, please return the call to XXXX for more information. '' I call it and it sounds like 3 different recordings put together saying 'you are caller number 1 in the que ', 'Mail box full ' without ever ringing, and 'Hours of operation are M-F XXXX if it is past normal business hours, please leave a message or hold on the line ' but after holding for several minutes each time it cuts off and hangs up. I have never been able to get a live person and I do not owe any debts.
Consumer complaint received 2019-08-03
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: Experian Information Solutions Inc. (MA)

I paid my XXXX Auto Lease agreement in full, but XXXX is showing the account as charged off. 

Dear XXXX XXXX XXXX XXXX  Customer, Your one-time payment made on XX/XX/2016 XXXX XXXX CT of {$470.00} was successfully processed for account ending in XXXX. 

Here are the details of the payment : Confirmation Number : XXXX Payment Amount : {$470.00} The payment was funded from the following payment account : Checking Account Number ending in : XXXX Please save this confirmation for future reference. 

Sincerely, XXXX XXXX XXXX XXXX Please do not reply to this message. Replies to this address are routed to an unmonitored mail box. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MN)

I received notice in regard to an amount owed on a XXXX XXXX XXXX. I signed up for a membership and it was cancelled and never used in the first 3 days under the terms of the agreement. The company never contact me to collect the debt. Now the debt has been sold to another agency who is demanding payment, has reported to the credit bureau, and has failed to validate the debt as requested.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Echelon Financial, Inc. (CA)

Consumer Protection Bureau Report on XX/XX/XXXX : On XX/XX/XXXX, I received an unauthorized transaction that showed in my XXXX XXXX  online transactions uncertain today if I made the request or not, so please check on the validity of the company to ensure policies are followed by the company, and there are no fraudulent transactions that occurred at the time. I am a victim of severe violations which some falls under the area of crimes against humanity. In addition, possible violations of identity theft, impersonation of character, label and slander acts of crime, plagiarism, misused of social security, and creation of fraudulent transactions might be in existence in my case. In case of any involvement to my ongoing case currently, please check the accuracy, background, and validity of this company. The debit authorization was processed in my bank account on XX/XX/XXXX with a time indicated of XXXX XXXX bank card ending # XXXX. Other information listed includes XXXX which I believe relates to the company name/info. Although it could be a request I made previously which I do not recall at this time, please check the accuracy of the information and the report paid in the transaction in details to ensure there is no fraudulent activities in existence, thank you. 

Sincerely, XXXX XXXX, XXXX XXXX Resident XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On or about XX/XX/XXXX, I XXXX XXXX went to the Citibank branch on XXXX XXXX in XXXX, New York to check on the community based account that was set up for donations to help families from Mali that have lost a loved one. I got suspicious that something was wrong with the account when a member indicated that the bank teller would not take their donation as the account no longer existed. 

While at the bank on that day I spoke to a teller named XXXX who attempted to help me. I was told that the account was nonexistent. I was confused and requested an investigation. On XX/XX/XXXX I then received communication from Citibank that they could not locate the account. The account number is XXXX. 

I have gone to the branch several times to have this resolved to no avail. I have made numerous calls and visits and Citibank refuses to help me as they indicate the account was closed 2 years ago. 

On or about XX/XX/XXXX I was given a print out that they indicated showed that the check was cashed. By whom or where is not known. My members are furious and think that I stole their money which is not the case. The amount of {$10000.00} has been stolen, and Citibank is responsible for this loss.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I started the process to refinance both my properties in XX/XX/2020 with AmeriSave Mortgage. AmeriSave provided a Loan Estimate with a breakdown of interest rate and fees. The interest rates and fees were fairly good and reasonable, so I decided to go with them without shopping around. I requested to lock the interest rates and fees ; however, I was told by AmeriSave Loan Originator that that is not needed and that they will match existing Loan Estimate numbers at closing. Over for months later, AmeriSave called me and said that they are sorry but they are not able to match as promised. Either I take the new rates and fees or just not go through with the loan. They said that I am not the only one that they doing this to so they are not able to help as it is coming from their leadership and investors. I feel this is unethical and I do not believe this is allowed to go on as a business practice to bait someone and then switch during closing. This company needs to held accountable and stop taking advantage of customers during this time.
Consumer complaint received 2023-01-13
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 correct them from my file immediately : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-15
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. (NY)

I have filed a dispute with XXXX Equifax and XXXX regarding the incorrect information being reported on my credit file it has been well over 30 days and I have not been given any investigation results
Consumer complaint received 2023-06-03
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. (GA)

XXXX XXXX has two fraudulent accounts open in my name on my transunion XXXX XXXX XXXX credit card and XXXX credit card, I want these accounts removed from my transunion, j did not open these accounts I am a victim of identity theft, my information was used to open these accounts, both credit cards were open due to fraud, I have filed a ftc identity theft report, I want these account to be deleted and blocked,
Consumer complaint received 2021-11-16
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)

Hello, Ive submitted several disputes as well as info needed to confirm that the creditor XXXX  XXXX  XXXX XXXX  XXXX  on my credit profile hasnt been fully verified and validated as accurate. I have been a victim of identity theft and have been trying to clean up all errors and fraudulent activity on All three credit bureaus have received the same information as of XX/XX/21 Transunion has taken the necessary steps of deleting the fraudulent and erroneous information. XXXX and XXXX are the two bureaus that are making this difficult and arent lifting a finger outside of their electronic system to confirm the validity of the information being reported by XXXX XXXX {$500.00} on my reports. Nationwide collections on behalf of XXXX XXXX {$450.00}, As well as an erroneous bankruptcy that is being reported. They have failed to fully verify the information and remove. 

They hide behind their electronic systems and they need to actually work on behalf of the consumer who files the disputes and assist them with correcting the errors. We work hard to assure we have a strong credit history and should be safe guarded from these mistakes.
Consumer complaint received 2019-08-03
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (DC)

I have received these fraudulent Credit collections on my XXXX  Credit Bureau Report from XXXX XXXX/NAVIENT/XXXX XXXX. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am enrolled in a debt management program that is called XXXX. HSBC is stating that my debt management company is not an approved agency which it is. The CEO of XXXX is handling this case. I am extremely dissatisfied with the way HSBC keeps on with not accepting XXXX as a recognized debt management company. They are charging an exorbitant APR and I am trying to do the right thing in enrolling and not declaring bankruptcy. Please assist.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my Experian report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, Experian is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/XXXX 

As of today, XX/XX/XXXX this error is still being reporting as it previously was on on my profile ... in error.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  XX/XX/XXXX ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-09-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX  XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I recently overdrew my US Bank business checking account between the dates of XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I deposited plenty of money to cover all the overdraft payments and also the eccessive fees that they charged me on my account. On XX/XX/2019 I called to discuss my situation with US Bank to complain of the eccessive fees and to request a refund of the overdraft fees or at least a partial refund. I spoke to two managers and neither was willing to help me out with a refund. I don't agree with their payment processing method and policy on overdraft fees and overdraft protection service. I explained that the service and fees are actually hurting me and I think the fees are eccessive and also I never authorized them to charge me a fee in the first place, so I feel they are stealing money from my account. I want them to refund the money they stole from my account through their overdraft protection service, which I did not know was optional to have when I first opened the account. The service was not explained to me and I did not understand what I was doing at the time I opened up the account with the overdraft protection service. Now that I understand the overdraft protection service, I feel it is theft of my money, I do not agree to it and I never authorized the overdraft charges. So I consider this action a theft of my money from my US Bank business checking account by the bank itself for a motive of profit.