davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AL)

In XX/XX/2020, I started the re-fi process with AmeriSave Mortgage Co. 
It has been a nightmare of stress and lies. 
This company charges upfront fees. 
They also don't let u shop around for services as they source out to their affiliates. 
But I did not know this initially. 
I was told we would close in 8-10 weeks.

My original loan officer disappeared ( XXXX ) after about 1 month. I never heard from him and after calling a dozen times and NEVER being able to speak to a live person ( in various departments ) for weeks, I was finally assigned a new loan officer. 
I have submitted and resubmitted the SAME paperwork 4-5 times. At some point this loan officer went AWOL for about a week and I again could never get in touch with a living person on the phone not did anyone return my calls. He came back, claiming he had oral surgery. 
They lost my files about midway. They took SO long, losing papers and basically being incompetent, that they had to pull our credit AGAIN b/c it expired. 
They also too SO long that the appraisal expired and they r trying to charge me for a second. 
Since XXXX, I'm told that we will close any day now, but then another mistake pops up and the loan officer blames others and the loan processor blames the loan office, etc. 
I would have fired them long ago, except they charged me upfront fees. And keep promising that we will close any day now. 
I'm very frustrated and have LOST SLEEP over this! 
Why do I not have any recourse or help with this. 
They are holding me XXXX with " non-refundable fees. '' I gave up trying to call b/c I can not speak with anyone anyway. 
Please help. 
BTW- we started a re-fi on a 2nd property and we closed on that one, after MANY hassles and mistakes, in late XXXX. 
Overall, Amerisave is not only unprofessional and incompetent, but full of tricks, lies, and high fees.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Innovis (OH)

Innovis, XXXX, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (TX)

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 accounts below : XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00}.
Consumer complaint received 2023-03-18
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. (MI)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2020-08-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: American Credit Acceptance, LLC (FL)

this is my car. please remove thnis off my account thank you AMERICAN CREDIT ACCEPT 5 POTENTIALLY NEGATIVE MONTHS Balance details 52 % paid off Balance {$13000.00} Balance updated XX/XX/XXXX Original balance {$27000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX CO - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$27000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$13000.00} Original balance {$27000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-03-18
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Called about 5 consecutive times to get my money refunded for a plane ticket I purchased on XX/XX/2021 ( {$1000.00} ) for my mother to go to XXXX XXXX. ( Chase Travel reservation- Itinerary Number XXXX ) However, my mothers older sisters daughter got tested positive for XXXX which made all her family members to also be quarantined. My mom had to cancel her flight through me ( who purchased for her through Chase Sapphire ) and I made a call before the flight to cancel and get a full refund back. In order to get the full refund ( without the cancellation fee ) Chase told me to provided a required documentation for the airline which included my family members positive test result. I provided this information via email and havent received anything back. 

After waiting a few weeks and following up in the email, following up with a call twice, I called once again and wanted to get transferred to a supervisor from Chase. She told me she would get this handled within 72 hours and if I dont receive anything back by then, I would have to call again and provided me a direct number to call ( which was NOT a direct number to a supervisor, it was just a chase sapphire number Ive been calling the last 3 times ). I waited, got another email saying that Id need to provide the same exact documents that I have already sent. Sent over within a few hours, and waited MORE THAN 72 hours, didnt get any response back ONCE AGAIN. They have all the calls recorded, all the proof of our calls, they have them. 

I called Chase for the last time before writing this complaint. I told them, I dont want to explain myself again, and to go look for my case number and see why Im calling. They told me I have not sent the email and wanted me to send a proof that I sent the email. So I made a screenshot and sent the email back, asking them, what am I exactly waiting for and why is it SO important that I would have to send a proof that I sent an email back!? I waited more than 2 entire months for a refund on a plane ticket. I sent again the documents and the proof that I sent the email, and asked what exactly they are waiting for and why it takes 2 months for a refund to be processed and the supervisor said, I would have to call the airline to find out because they are waiting for the airline to approve the documents. 

After 5 calls, they are now saying I have to call the XXXX to find out. They told me theyll handle everything themselves and make sure I have the full refund back within time, but havent handled one single thing. 

Please report Chase Travel Center for not handling a client who has been waiting for a flight ticket cancellation refund to be processed for 2 months.
Consumer complaint received 2022-10-26
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: NAVY FEDERAL CREDIT UNION (GA)

Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by Navy Federal, XXXXXXXX XXXX, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXXXXXX XXXX  with no money down already approved
Consumer complaint received 2023-01-03
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. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXX : {$25000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2023-03-18
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2022-10-26
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. (IL)

I despise it! I've already spent months sending disputes and filing complaints, but I'm not seeing any results. This is causing me a great deal of pain and stress.
Consumer complaint received 2019-06-28
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. (GA)

I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by EQUIFAX business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by XXXX XXXX business
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (GA)

Received a debt collection notice via mail on XX/XX/2018. Company that supposedly purchased the debt ( {$1800.00} ) is XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ga. XXXX. The current creditor is shown as XXXX XXXX XXXX XXXX, XXXX which is also located at the above address. Have called XXXX several times with no answer or response. Original debt was supposedly XXXX XXXX, a company that does XXXX  work and was closed and later bankrupt due to medicare fraud and other bribery issues. Have never heard of any of these companies and am 100 % sure that I would have no need for the services that XXXX XXXX provides. This appears to be a scam. I have attached the mailing for your use. Thanks.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (AR)

On XX/XX/2023, after ordering a credit report from XXXX, I sent a Disputed letter to the credit reporting agencies. I found these UNVERIFIABLE accounts on my personal profile after receiving a copy of my report, and I also discovered that my credit report contains accounts that are deceptive to me. On XX/XX/2023, I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) by failing to authenticate these accounts ( A ). This was part of my most recent COMPLAINT, and I'm hopeful that it would prompt an immediate correction of the following accounts ' late payments : XXXX XXXX Balance : {$24000.00}. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MO)

The original Creditor, YEARS AGO, was XXXX XXXX XXXX. The debt has been sold over and over again, therefore eliminating my obligation to pay and relinquishes my debt. Most recently, it was REMOVED from my credit on XX/XX/2019 under the creditor, XXXX. It was then immediately added BACK to my credit report under the creditor cfsi aka Commonwealth Finance. Reflective on both XXXX and XXXX. 

( See attached screenshots ) XXXX : XXXX ( XXXX XXXX XXXX ) - {$910.00} I DO NOT owe this debt! Origination date is nearing if not surpassed 7 years.
Consumer complaint received 2023-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (FL)

Gemini Trust Co LLC is holding my funds hostage on their exchange. I have contacted their support team on numerous occasions for nearly two months straight and I have not received a response. I wish to transfer my assets and they are blocking my transactions. I have completed all the necessary and required security verification yet their security hold remains on my account.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.Equifax Mortgage Ser XX/XX/XXXX 2.Equifax Mortgage Ser XX/XX/XXXX 3. Equifax Mortgage Ser XX/XX/XXXX 4. Equifax Mortgage Ser XX/XX/XXXX 5. Equifax Mortgage Ser XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-03-18
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I made a purchase at XXXX  XXXX for the amount of XXXX. The agreement I signed was for 48 months no interest with equal payments. In XXXX of XXXX, BrandSource which is the card that was opened for the credit charges me XXXX in interest, applied 32 % interest and stated I only had 12 months no interest. I called and submitted my original documents sent to me by XXXX that stated 48 months no interest. They have since lowered the credit limit, reported to all three credit bureaus, and refuse to accept my documents or correct their error. My credit has been negatively affected and no one will help me. It seems that this is fraudulent billing practices for this purchase.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (MI)

I sign up for XXXXXXXX XXXX XXXX  XX/XX/2019 and Covid hit then I cancel my membership by visiting the office. Then I never went back but they are saying I did not cancel the membership. They told me I have to pay {$280.00} now.