davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NH)

I started working with Amerisave in XXXX, 2020 to refinance my current mortgage. I was quoted current rates and told the process should take approximately 2 months. the application fee was {$500.00}. We decided to move forward and the process was very disjointed and cumbersome. I received 3 or 4 disclosures and probably got 20 separate requests for information by text and email, all of which were answered within 48 hours. Each time, the points increased. It felt like a bait and switch. I was told on numerous occasions that we were about close. I had heard this so many times I decided to withdraw my application and start again with different lender. Based on their failure to close on a timely basis, poor process and lack of candor, I feel am owed a refund. The loan originator was XXXX XXXX. 

The information requests came by text, email, phone call, and their website. I would think Amerisave could provide a copy of all correspondence and recorded calls, if necessary.
Consumer complaint received 2022-12-30
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. (SC)

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX.
Consumer complaint received 2020-12-17
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. (FL)

I've been a product of identity theft since XXXX and XXXX. I did not open an account with XXXX Acct # XXXX, I've been trying to get this resolved since XXXX of XXXX. As a result, I've filled an identity theft report, Affidavit of Truth, and a police report.
Consumer complaint received 2019-02-12
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. (VA)

I purchased a van through XXXX XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is not reporting correctly on my credit report. 

XXXX XXXX XXXX XXXX XXXX Different addresses that does not belong to me are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (IL)

The Bureaus Inc is attempting to collect a debt from me that is a result of identity theft. Also The Bureaus Inc has no license to collect debt in the state of Illinois. Which is in violation of Illinois Collection Agency Act 225 Ill. Comp. Stat. 425/2
Consumer complaint received 2023-04-03
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. (SC)

Please be advised this is my THIRD WRITTEN REQUEST that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the third time that you provide the method of verification you used. A letter was never sent to my current address or METHOD OF VERIFICATION. I requested the following information : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( XXXX evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be deleted immediately. 
Name of Account : PORTFOLIO RECOVERY Provide Verification : PORTFOLIO RECOVERY UNVERIFIED ACCOUNT
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC (CA)

Received a car XX/XX/19. One month later XX/XX/19 financial manager said to return car after bank withdrew my loan. After being welcomed by the bank one week after XX/XX/19 I went in again to sign another loan with an additional increase of {$50.00} for the loan and signed another sales contract. I highly suggest that you get approved before driving off the lot because this dealership is not right. Ruining my credit and inquiries. These all need to be removed for my own good!
Consumer complaint received 2019-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (ID)

We sold the house that had a HELOC through US Bank. The title comoany requested a pay off to close, I signed a authorization for a pay off and close. They recieved the funds on XX/XX/XXXX and applied it as a pay off to XXXX. I recieved a check with a letter stating my account had been paid off and an overpayment was issued, so I cashed it. Then on XX/XX/XXXX I noticed a balance still owing in that account, called the customer service number, not able to speak directly to payoff dept. finally after several calls the notes are stating that an error was made and if I send them the balance of XXXX they will back date the payment and refund me what was left. I have a letter stating the account was paid off. So now Im confused. They at no time notified me of the error. I have done all the leg work to find out what happened. The customer service reps have been helpful but every time I call in I have to explain AGAIN what is going on and they repeat the exact same thing back to me per the notes. I am frustrated That they messed up and now they are charging me for interest. They also are reporting to the credit bureau as me being late.
Consumer complaint received 2019-04-27
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: JPMORGAN CHASE & CO. (GA)

I pulled up my XXXX XXXX and noticed i have a lot of credit inquires that I did not authorize that were done on the same day. There were a total of 10 inquires done on XX/XX/2018. This is preposterous I have knowledge of these inquires. I was looking for a car at the time but did not authorize any dealer to run any hard inquires on my credit. Banks are giving me a very hard time behind this and its seems like I have definitely been taken advantage of.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Account : XXXX Amount : {$1100.00} USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Midland Credit Management / Midland Funding LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/2018, I purchased a dress online from XXXX for {$120.00} The merchant was discriminating against me in returning the item, theyve wanted to offer me a discount instead of me returning the dress, theyre trying to borrow time, I replied to the merchant that the dress doesnt fit me because it has built in bra these is not noted on the website during purchase. 

I returned the dress as the address provided by the merchant. 

XXXX  failed to protect my rights as a credit card holder under the applicable law. 

Please see copy of postal receipt included with this letter.
Consumer complaint received 2023-04-03
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for their failure to remove all negative accounts from my credit report. Despite my repeated attempts to dispute the installment accounts that have been reporting as late and closed, Transunion has failed to conduct a proper investigation and remove these items from my report. Moreover, they have failed to respond within 30 days of my previous disputes. 

What's more, Transunion previously removed these installment loans from my account, only to report them back on. This type of behavior is illegal, as stated under the Fair Credit Reporting Act ( FCRA ), which prohibits credit reporting agencies from reinserting previously deleted information into a consumer 's credit report without notice and a reasonable time to respond. 

Transunion 's actions have caused me significant financial harm and stress. I am requesting that Transunion immediately remove all negative accounts from my credit report, as well as provide me with an updated credit report free of charge. Additionally, I urge the CFPB to take action against Transunion for their non-compliance with FCRA regulations and their negligent behavior towards consumers. 

Thank you for your time and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

my grand son give me check for {$1600.00} i deposit it into my chase account after fund clear my chase bank closed my account never paid me my money they said they need to speek with my grand son check was clear money was taking by my chase bank refuse to pay me my money my grand son called chase 2 times they told him i should call not him to verify the check owner he is out the country most the time  date happen XX/XX/2018 check number XXXX claim number is XXXX with chase
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please note, this is not a duplicate complaint. I'm not using a third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I have filed FTC report and included in this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquiries 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 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

We have done four loans thru Caliber homes loans, the experience up until this point has met my expectations. We have paid three of he four loans off. Unfortunately, my home suffered significant water damage in early XXXX. One would think that the insurance company would be difficult party when trying to repair your home however, caliber home loans has proven to be the nuisance. My insurance company worked swiftly in identifying the problems and providing a payment for repairs. Caliber has taken over two months to release the payments and I have had to pay a significant amount of money out of pocket while waiting for caliber. While caliber may do an acceptable jobs underwriting a loan there customer service has completely failed me and my family. We have perfect credit and have never missed or made a payment late in 30 years. Because we have paid so much out of pocket to try and fix our house we are struggling to make our mortgage payment. Caliber should not be allowed to write mortgages if they can not provide adequate customer service. They are clearly acting in bad faith.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have recently had an adverse reporting with my account with XXXX XXXX reporting. They have reported incorrectly with Transunion and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back inXX/XX/2020did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION (VA)

I had never received the card in the first place and I got not one but 2 late fees of {$35.00}. I was unaware that I was getting charged these fees because I never got the card and they never called me. They did waive one of the late fees. Please waive the other. I should have a balance of - {$70.00}. Thank you!
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows 30,60,90+ days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
Consumer complaint received 2019-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: College Lending Solutions of Salem (LA)

Consumer needs loans approved me for XXXX $ then I was at XXXX tp go get my money from money gram then they told me to purchase a XXXX play card for XXXX $ and I did and sent them the information and now they said my loan was denied