davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MT)

On XX/XX/2018 I applied for a mortgage through Amerisave. I had been called so many times by so many places after leaving my contact info on line. I was trying to find out about the HARP program, which no one seemed to know anything about and if they did they all had different answers to the same question. A mortgage is frustrating. I finely came in contact with a man at the above mortgage company. He seemed easy to work with and all was good. He said it was approved, congratulated me and I found all the pay stubs, tax, insurance and on and on info. I payed them to have the appraisal done. I had no problem with this and knew it would appraised above what I was asking to mortgage. It did. My insurance was changed to their title company escrow, title orders, closing person picked out. Was just waiting for a date. Instead I received a email that denied my mortgage. I was so confused could not understand what could have gone wrong when everything was right. It was because the mortgage would be for a manufactured home. They do not do Manufactured home mortgages. No one told me this! I didn't know it made any difference. I spoke with XXXX online and he said he asked me if it was for a single family home loan, I believe that was the term he used. I said yes, I live in a home, only one family lives in this home. I did not know that meant " not a manufactured home '' how was I supposed to know that? He never once asked me if it was a MF home. I thought he had all the information on it, because he had access to get that info so I never gave it a second thought. I was extremely disappointed, I had cancelled another mortgage for the better terms. Since than interest rates went up My biggest problem is the {$610.00} I paid for an appraisal that was not needed on a mortgage I would never get. I was told by XXXX I would get the money back with the mortgage pay out, which was important it had come from my retirement savings account. Im not getting a mortgage so Im not getting that to put back and in fact they don't even want to reply to my emails asking for the {$610.00} to be refunded to me. Im not mortgage specialist, in fact I know so little and am told there is no one that knows all they should. Apparently XXXX XXXX just learned something, they don't mortgage MF homes. I don't think I should have to pay for his mistake, I cant afford to. I cant apply for another mortgage because other mortgage companies want to choose the appraiser That would be spending {$120000.00} just to have appraisal done making the expense of refinancing not affordable enough to bother refinancing after closing costs are added in. Please tell me is there anyway to get a refund of the appraisal fee? Thank you for your time : XXXX XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

On XXXX XXXX Equifax received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.
Consumer complaint received 2018-10-27
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. (VA)

Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.
Consumer complaint received 2023-03-20
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. (TX)

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Received a call from Amazon regarding a charge of over {$1000.00} on my account. 
They tried to say that I had. Personal account as well as a business account, which I do not. They tried to tell me that customs found drugs with this order. The case number for this was XXXX. The phone number they called from XXXX. No pertinent information was given. Hung up.
Consumer complaint received 2022-07-25
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. (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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX BANK 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 SECTION 604 : A SECTION 2 : IT ALSO STATES A CONSUMER REPORT AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2018-10-27
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: CNG FINANCIAL CORPORATION (CA)

Discovered a credit inquiry ( Axcess Financial Dated XX/XX/2018 ) 0n my credit report.I do not recognize this inquiry on my report.I would like any documents with my signature giving permission to run this inquiry.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The three major credit reporting agencies ( XXXX, XXXX, XXXX ), are inaccurately, inconsistently, and unfairly reporting my consumer information ( Via Capitol One Auto ) : OLDER DERAGETORY EVENTS : XXXX is reporting XX/XX/XXXX, XX/XX/XXXX as 30 days late. 

XXXX is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX isn't reporting and 30 day late payments. 

This is inconsistent, unfair, and inaccurate and NOT 100 % accurate.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 I went to XXXX, entered my information, and selected to receive a report from Experian. The response was that they could not verify my identity and was routed to an Experian site where I could upload documents to prove my identity. 3 times I entered my information and attempted to upload a copy of my passport and bank statement and each time it was rejected. I've had no issue receiving a report from the other 2 credit agencies. It shouldn't be this difficult.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (IL)

I have been working with Amerihome Mortgage company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XXXX 2017- XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on X/XX/2017 which was suppose to post on account by X/XX/17 ( which it has not ) and will begin making monthly payment on my behalf X/X/2017 ; my issue with Amerihome mortgage is that in XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XXXXXXXX 2017. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

Discover and all 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries  should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. XXXX certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XXXX/XXXX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX Creditor Name : DISCOVER FINANCIAL SVCS Date : XXXX/XXXX/XXXX
Consumer complaint received 2019-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (HI)

Loandepot.com gave us a loan to buy a new home yay!! Then they promptly shared our information with many other lenders. These lenders " XXXX XXXX '' notice number XXXX are misrepresenting themselves as the VA. Stating I should call the my VA rep at their number. The person answering the phone stated they are not a VA rep. I have received numerous letters all stating similar things. Get your escrow back? At the bottom in tiny print it states it is a refinance option. I have called them to remove my information many times and it still persists. I OPTED out and am being constantly harassed.
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have had a credit account with Bank of America for two years. During that time I have made payments with my XXXX Checking account which I had set up to use. Several months ago, my daughter added me as a secondary to her Bank of America Checking account. Since then my payment of XXXX was deactivated on their end, I was advised that I had to electronically resubmit my checking account number. When I did their system burst multiple verification numbers, so that when I attempted to verify, the Bank of America server locked out my account number. I am told that even though it was their mistake, they ca n't do anything about it. As a person with a XXXX XXXX in XXXX XXXX, I know this is not the case. They are telling me I have to be even more inconvenienced and I have to print a form to mail to them. Since I currently am without a printer I asked them if I could receive the form at a Bank of America branch. They told me I could n't because they were a separate entity. If that truly is the case then my payment method should not have been deactivated by above actions. I am not comfotable going to a public computer to do this, which is what they are telling me I have to do. So, I have to wait until I have the ability to print this form electronically from my home before this problem can be resolved.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

American Express incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to AMX and in being punished in my scores for their errors. XXXX is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX  and OIG. Thanks XXXX XXXX XXXX
Consumer complaint received 2017-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, XXXX and TransUnion ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, XXXX and TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
Consumer complaint received 2019-01-10
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. (OH)

I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX, EXPERIAN inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with TransUnion of student loan late payments. On XX/XX/XXXX I submitted a certified mailed dispute to TransUnion regarding these late payments on my student loan accounts and still have not heard nothing back from TransUnion concerning the matter that I had to give them a phone call XX/XX/XXXX. Aren't they supposed to ensure that everything is reporting accurately? As I know the creditor did not notify me XXXX days beforehand with a statement so there should be no late payments on these accounts when I did not have a payment plan to begin with. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late on these accounts that was on an {$0.00} XXXX deferred repayment plan because this is clearly a billing error. TransUnion is reporting that I paid XXXX days late in XX/XX/XXXX without reporting late payments in the previous months that are marked OK clearly another billing error. How is this even true because I can't be XXXX days late without first being XXXX and XXXX days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete ALL inaccurate late payment marks/remarks in XX/XX/XXXX boxes along with ANY inaccurate comments on my credit report for these accounts. The items below should all be updated to paid as agreed/Never late on my report. Immediately delete ALL late payment marks/remarks associated with these accounts and the inaccurate comments. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2018-05-16
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: EQUIFAX, INC. (TX)

Equifax continues to deny my request to have the XXXX XXXX Hard Inquiry off my Credit Report they have stated that the inquiry is a record of file access. Only problem is that XXXX XXXX has stated that they did not and has never pulled or ask for my credit information. They have even stated that they have even tried to reach out to Equifax tio have the Inquiry removed and they have stated that Equifax has refused to reach back out to them regarding this issue. 

They have since sent a letter to stating that they have never pulled my credit and they have asked for the Inquiry to be removed. The letter has been attached once again
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (PA)

Pressler and Pressler again have threatened to take me to court to review all of my assets, which I have gone over and filled them in very fully on my assets. Which is XXXX a month from social security and XXXX in clothes hair procucts and face products. I have no trusts I am not a beneficiary, I do not own any cars or own the house. I can not afford to pay XXXX a month to them for the full balance. It has been 9 years I need a much lower settlement on this, that can be broken up. I can not pay out of my only income from the government for my XXXX to pay this off. Please stop the court threats, and lets come up with a reasonable settlement.
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX VISA Account # XXXX Account Name : XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.