davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Amerisave 's response to CFPB # XXXX doesn't resolve the issues as I described. 

It appears no one took the time to pull the closing documents or reconciled the escrow account against the projections mailed last summer as the starting balances don't correlate to any any online amounts. Their response tells me, I do not have a property tax escrow established even though the legal documents they created for closing advise something different.

Amerisave is acting in a deceptive manner for two reasons : ( 1 ) I was advised I would receive a credit at closing during the processing phase due to continual delays for my home closing and being asked for unnecessary documents. If the aggregated adjustment is a federal calculation, then where is my service credit for the gaps during the acquisition/processing of the loan? ( 2 ) As previously stated, it appears no one is looking at the closing documents to validate the information I am providing nor has someone validated the CD and the on-boarding of the loan was accurate as my closing disclosure clearly reflects my escrow includes property taxes and homeowners insurance ( CD provides a monthly escrow amount of {$610.00} ). It specifically lists a 6-mo requirement of {$2700.00} ( 6* {$460.00} ) and 3-months of HOI {$450.00} ( XXXX ) = {$3200.00} - aggregated adjustment {$1300.00} = {$1800.00} ( this exceeds my annual HOI amount ). 

Had someone on-boarded my loan accurately, the amount of the initial escrow would have been {$1800.00} and not {$440.00} ( as this is what occurred ). Had someone conducted the due diligence to validate the loan was on-boarded accurately, this error would have been caught inXX/XX/XXXX. It appear Amerisave may not have controls in place to mitigate this risk. Due to the continued failure of taking ownership of their commitments and fulfilling their role in good faith, their errors are causing consumer harm as I am now financially impacted. After talking to several people and not getting an appropriate response, I began sending additional escrow funds each month to bridge their initial & continuous errors to ensure funds are available to pay my XXXX property taxes. My taxes would have been delinquent on Tuesday, XX/XX/XXXX, as Amerisave failed to complete their responsibility as defined in the closing disclosure that was signed in early XXXX. I used a credit card to pay my XXXX property taxes as Amerisave has my money that should be used to pay it. As of today, my escrow balance is {$7800.00}. This is more than 4 times the amount required for my HOI. I would not have made these additional payments into my escrow had I known Amerisave was not going to pay my property taxes.
Consumer complaint received 2015-12-15
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: Paypal Holdings, Inc (CA)

I had an account with Bill Me Later and PayPal Credit took over my account. They say I owe them money that I do not owe. They even sent statements showing I over paid them {$160.00}, but they say all my debt was not disclosed and I now owe them {$300.00} plus. They added {$100.00} to my account when they took over and late fees because I refuse to pay them. I have never been late, I had XXXX NSF for {$100.00}, when my bank changed my account number due to security. They sent a letter to Bill Me Later who excused the {$25.00} fee and my bank paid the {$100.00}. I need for someone to help with this issue. I do not owe them any money. They say I approved their disclosure but I know when they took over for Bill Me Later, I had to agree in order to view my statement and make a payment.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

Discover card charged me {$30.00} dollars in late fee the SAME day that the payment was due. As of XX/XX/XXXX, the amount in late fees were reduced and I should not have been charged this amount. This is not a fair amount and my account was in good standing. This is for the account ending in # XXXX.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (KY)

On or about XXXX or XXXX I purchased a prepaid " credit card '' from Navy Federal Credit Union. Even though this was my money initially it was XXXX of my money, my funds, I closed out this card in XXXX with a balance of XXXX of my money that I put on it, it was a pre paid card through Navy Federal Credit Union. This Credit Union put this pre paid card in collections, and then it turned into a charge off? I asked numerous times why would you put a pre paid card in collections especially a charge off? Your answers were above and beyond stupid!!! Your answers to me were " well whatever was left on your card when closed it in XXXX went into your savings account? '' REALLY NAVY FEDERAL then how come I am getting a statement once a month with {$10.00} in my savings account? I paid the XXXX knowing that was wrong, your slacking Navy Federal, I asked for a letter of paid off balance with my own money, I have been run in circles, how hard is that Navy Federal, no wonder you have had several civil law suits against you, you were shady in the early XXXX and your still shady. YOUR ANSWERS TO WHY YOU PUT A PRE PAID CREDIT CARD IN COLLECTION THEN CHARGE OFF, BOGGLES MY FREAKING MIND, AND YOUR ANSWERS ARE RICDICLOUS!
Consumer complaint received 2022-02-23
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. (TX)

I was in the military got XXXX in XX/XX/2016 XXXX XXXX XXXX XXXX hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (TX)

all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information
Consumer complaint received 2019-11-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have been trying for over a year to dispute two accounts from Experian. One is from XXXX XXXX XXXX I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX  reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from Experian,
Consumer complaint received 2022-12-04
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c, Pt furnish a account without my written I instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account unde ... 1 open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

Forbearance periods on federal student loans should count towards the Public Service Loan Forgiveness Program eligible payment count. My lender took advantage of my situation fresh out of college and encouraged me to take a forbearance on my loans when in actuality my payments would have been {$0.00} per month on an Income Based Repayment plan, thus counting towards my 120 months of repayment. They did not disclose the amount my payment would have been or else I would have never agreed to the forbearance terms at the young age of XXXX. So many people are in my same position. Give us credit for the months we have been employed in public service and have been responsible for student loans including the forbearance periods that we were wrongfully encouraged to take.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TX)

I was in the military got XXXX in XX/XX/2016 AAFES military star card hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (PA)

XXXX and Experian have both been complicit in failing to help me with my identity theft. XXXX removed the XXXX XXXX XXXX accounts that were identity theft and Experian and XXXX said that they would with the police reports and XXXX reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX at Experian. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated XXXX identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against XXXX and Experian for reporting fraudulent information.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Experian has reduced my credit XXXX score of XXXX to XXXX for having my XXXX loans discharged under borrower defense after an investigation that took six years and a XXXX decision 8 months ago legal decision based on XXXX misconduct then it further reduced my score to XXXX when I applied for a credit card and was actually denied based on their own misleading report which is kept secret. This is abusive and a deterrent to people like me who pay their responsibilities on time I think they do this due to my XXXX heritage gender and age thats illegal.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c, Pt furnish a account without my written I instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account unde ... 1 open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-03
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. (NY)

I have tried on multiple occasions to obtain investigation documentation that verifies the validity of the XXXX charged off accounts that are being reported by XXXX XXXX XXXX I have screen shots that show how the accounts list multiple different dates for " date of last payment '' and now today, as a result of a dispute I conducted with XXXX - XXXX charge off is showing 90 days past due XXXX times when it used to list XXXX. This has dropped my credit score XXXX points. Aside from that fact that this seems like retaliation, if that information was factual it should have been included in the reporting when the account was charged off over 6 years ago. Both of these accounts should be removed from all three credit bureaus or XXXX XXXX needs to send their investigation results/verification of the debt directly to me. This company is a predatory lender and can not just send template responses to what is a simple request- where is the proof that this debt belongs to me and why are there multiple reporting discrepancies across the three bureaus?
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow XXXX or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2018-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX Bank
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist takeover over BB & T is a disaster.

Truist " claimed '' access would be restored Monday XX/XX/22. 
That was just one of many lies. 
Monday ( XX/XX/22 ) they verbally promised emails to reset my password by sending me a reset email. The emails nevet came, nor are they in my " junk '' file. 
THEIR excuse was for their inability to restore access " you must have an old phone! 
The problem is Truist. 
NOT my phone, An offer of a text was never given. 
Today ( XX/XX/22 ) Truist 's system bot said it would send a text message with a reset link. 
No text. 
Another full system check on my phone, Again, nothing is wrong.

They are lying to custimers, treating them like XXXXs, and blaming others for their own negligence, I am XXXX, on Social Security, have to isolate, Truist has all my money, but I can not pay my bills! 
Thankfully, Social Services paid my electric bill. 
Truist has already refused to talk to me ( & hung up on a call ) because of my XXXX & need to record conversations for clarity. ( Legal in my state, guess Truist is " special '' ) Complaint for that was filed Monday, XX/XX/22. 
Please help. 
Thank you.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On the weekend of XX/XX/2019 I lost my entire purse with my cellphone, and wallet including my USAA debit card, Drivers License, and a few other cards, receipts, and miscellaneous documents.On XX/XX/XXXX I called USAA to inquire about an alert on my account. I spoke with 2 reps that day who advised of a deposit of {$7100.00} which I stated I had no knowledge of nor should the deposit be there. They also advised me of 2 withdrawals shortly after one or {$2000.00} and one for {$2900.00} from a XXXX supermarket. Upon getting this information I proceeded to dispute the transactions. While in that process 2 inquiries also appeared on my credit report one for XXXX XXXX, & one for XXXX on which I disputed as well. At this point my identity has been stolen. I advised this information to USAA as well. About a week or so later i got notice the dispute was completed and deemed not fraud. On XX/XX/2019 {$4900.00} was taken from my account from what USAA states is a reversal of the 2 withdrawals. They have since been contacting me to pay off a collection on the account for the {$4900.00} that was fraudulently taken from my account. I have since had to get many identity theft measures in place and place blocks on everything. I tried to resolve this matter with USAA however to no resolve as once they deemed the transactions non fraud they would no longer assist me. From the beginning of this situation I spoke with about 7-9 different people with the absolute WORST customer service I have ever received. USAA stated that my claim was denied due to the card with the chip being used along with the pin however with everything inside my purse being stolen that information was easily obtainable as my cellphone was also inside.My greatest concern ultimately is how the withdrawals even happened to begin with. If a deposit as large as {$7100.00} was done on an account where no more then 500.00 has ever been deposited the account should have flagged then at that point. The deposit certainly should have at least pended or held for 24 hours being such a large deposit. Not only that the culprit was able to make 2 large withdrawals from the same XXXX store over 2000.00 on the same day of the deposit which should not be able to happen either. I made an attempt to file a police report with the XXXX PD however being that the withdrawals took place in XXXX they stated this was outside their jurisdiction. I am now working with my Lawyer to attempt to resolve and obtain some sort of video of the person making these transactions as it was not myself and is absolutely FRAUDULENT.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (IL)

Hi I paid my debt in 2020 to my recollection and I was told that it would be marked as paid and removed from my report on their behalf. However, as I look at my XXXX XXXX XXXX accounts, it still shows up along with either open, unknown or in collections. I would like them to be held accountable for this action.
Consumer complaint received 2018-08-20
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. (MD)

On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
Consumer complaint received 2022-12-03
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS GAUNITED XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.