davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I started the refinance process on XX/XX/XXXX with Amerisave Mortgage. The loan officer Court XXXX set expectations that this would be a quick, easy process and that there would be no issues getting a loan through. He even prequalified me. On XX/XX/XXXX he asked me for a {$500.00} fee to get the process started that would be refunded at closing. He said there would be no other upfront costs, including the appraisal. I paid that {$500.00} via credit card. They are deceptively doing business. After my appraisal I was asked about my credit and my dept to income ratio which he had access to from the beginning. These are all things that would not prequalify me. I then explained my reservations about the process because he was backtracking from what the expectation was and he stopped responding. I spoke to another mortgage company, and they told me right on the first phone call that I had issues with the debt to income but there are options that I could do. I decided I wanted to cancel with Amerisave due to the deception and lack of response from Court. I called customer service and was told that they would send a message to Courts manager to cancel the loan, this was XX/XX/XXXX. XXXX said that they would either refund the money or transfer the appraisal but not both. I advised I just needed them to cancel it and I would like the appraisal transferred. As soon as I told them I would cancel I was no longer able to reach any of the Amerisave phone numbers as I attempted to call Court back and could no longer get through to him, the customer service number or the secondary number on their website. I received a system generated email from Court that said there was a new document to view. I saw they uploaded a cancellation letter with a reason of income was insufficient, not that the borrower requested to withdraw. That alone shows their deception, as I was never notified at any point from Court that they would not be able to provide a loan to me. The new loan officer contacted them to get the appraisal transferred and they told her I needed to send an email with the specific requirements, which I did the same day XXXX put the request to cancel on XX/XX/XXXX. So I sent that email again. XXXX XXXX will Amerisave sent me an email saying they'd transfer it, but only after I paid them {$650.00} by cashiers check or money order only and sent it to their GA office and once verified and applied they would transfer over the appraisal. There is a timeframe that the appraisal is good for. If I did that, it would no longer be good. They have not refunded me the {$500.00} I initially paid via credit card that was supposed to be refunded, and are not asking for another {$650.00} for a document that will be invalid by the time I received it. They are being deceptive and scamming people of out money. There are over 1600 reviews on the XXXX website just like mine.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

XXXX has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/ request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses
Consumer complaint received 2023-03-11
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: Upgrade, Inc. (IL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-11
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)

XXXX is reporting to the credit reporting agencies that I opened an account with them. I never opened an account with them. I never applied for a card and I never signed for a card with XXXX. The card they are reporting on my personal credit report belongs to someone else who added me as an authorized user only. I am not now nor have I ever been financially responsible for paying the credit card balance. XXXX would not produce documentation to support their deceptive reporting that I opened a credit card with them when requested. I called and spoke with XXXX supervisor after very lengthy hold on the line. The supervisor at XXXX used words like we assume and generally when addressing my questions. and eventually he terminated the call which they said was recorded beginning at XXXX Eastern Time on XX/XX/2023. This unfair and deceptive practice has negatively impacted my credit rating at all the major credit bureaus. I advised the Supervisor I would file a complaint with CFPB and so I have. I do not have any other option and hope you will take corrective measures against this abusive treatment.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CT)

A withdrawal in the amount of {$270.00} on XX/XX/13, Transaction ID : XXXX, still shows as processing and does not seem be going through as it is taking an unusually long time to complete. This is evident in the fact that a withdrawal in the amount of {$20.00} on the same date, XX/XX/13, Transaction ID : XXXX, shows as now completed when this one is still in process for whatever reason.. Both transactions are going to my external bank account ending in XXXX, there seems to be some technical issue going on and I do not know exactly what that issue is.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Applied for XXXX XXXX XXXX upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the XXXX app. We went through this several months ago with my wifes XXXX card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but XXXX continues to send this report. Have been a customer of XXXX for 23 years. Dont think we will make it to 24 years but I want this information fixed
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

After thinking this issue was solved because Synchrony Bank sent me a letter stating that after their investigation they will remove the account off of all three consumer reports on XXXX XXXX. The account came off TransUnion but another one popped up on all three bureau with a different account number. After talking to the credit bureaus I was told that say that Synchrony Bank stated that they had been reporting wrong information such as account number, date opened and past due payments and now they are sure that is my account. I have asked for supporting documents to validate this change because I am certain this is false information also and neither Credit Bureau has answered me or produce any supporting documents. I would like to know how all of a sudden all the information about account was able to change just be accepted after disputing this multiply time and it keep coming back validated. This account started reporting back in XXXX and I have not received anything in the mail from the credit Bureau or Synchrony stated that this would even be placed on my consumer report.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXl XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX be cause by information was compromised they are completely aware of this.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (OH)

To Whom It May Concern, The reason for my dispute is ABILITY RECOVERY SERVICES # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABILITY RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  ABILITY RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ABILITY RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ABILITY RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-12-27
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. (FL)

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.
Consumer complaint received 2020-08-01
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)

According to the Federal Credit Reporting Act, XXXX is requited to only list factual information. Any information that is not factual must com off your credit report. XXXX list the following unfactual information. 

XXXX XXXXStatus is incorrect. Type of Account is incorrect. Please remove XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove XXXX/XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX XXXX XXXX ( 4 tradelines ) -Current Payment status is incorrect and last payment received is incorrect. Please remove.
Consumer complaint received 2019-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Good morning, Like every month ; I logged in to my mortgage account online on XX/XX/XXXX at around approx. XXXX XXXX to verify if all recurring payments are correct. 

Payments should be set up as : XX/XX/XXXX XX/XX/XXXX No payments were showing, I immediately contacted the mortgage company - but due to XXXX XXXX 's - the company was closed. 

I contacted them today, XX/XX/XXXX at XXXX XXXX to verify why no recurring payments are showing. I was informed that someone logged in to my account and canceled the recurring payment option and in order to become eligible again- I'd have to submit another mortgage payment 30 days in advance ( even though I've submitted this amount back in XXXX to take become eligible ). 
I informed the agent that I did not log in to the account and I'm concerned of security breach. The representative insinuated that my husband maybe the one who canceled the payments. I informed her that it wouldn't make any sense why he would do so? I also asked why no email or letter was sent out to inform me of the cancellation. She was unable to help me out with my concerns or transfer my call to another representative. After many requests to speak to someone else, she informed me that the only other way to speak with someone is if I call again. I've tried reaching out again- but have been on hold for the past XXXX minutes. 

Please advise. 

Best regards
Consumer complaint received 2019-09-16
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: Lending Club Corp (NJ)

If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want lending club to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (SC)

I paid this debt off in XX/XX/XXXX and was advised by someone in the compliance department that it would be removed off my credit. Just recently I was informed that this debt is not only still reporting on my credit it's still showing opened. The agreement was that if I paid the debit that they would have it removed, all of this was stated on a recorded line. Today, XX/XX/XXXX I called and got an representative by the name of XXXX whom refused to give me her agent id and transfer me to compliance after asking multiple times she then transferred me to escalations where I spoke with an rude representative by the name of XXXX. She also refused to send me over to compliance and stated that she would contact them for me. She came back on the line and stated that they stated that the item wouldn't be removed, which isn't true. This company took my money under false pretenses while giving false information. I will be contacting an attorney to have my money refunded back to me and have this item deleted as promised. I will be reaching out to the media about this company, and will continue to file complaints against this company with the CFPB and XXXX until this matter is rectified.
Consumer complaint received 2020-02-05
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: DISCOVER BANK (VA)

On XX/XX/2020, I received a phone call from a 1800 number that appeared to be from Discover card. The person on the phone identified themselves as Fraud services at Discover. They proceeded to tell me that there were multiple fraudulent purchases on my account the needs to be verified. I told them that those weren't from me and she said she'll initiate cancellation. I got another call hours later from a number definitely a discover card number telling me that the card is sent out. I got a call today, from the same number, but the phone call sounds much more legit. I was told that there are still charges to my account. The new person was definitely more professional than the first people. It is likely that the first calls were not even from Discover and were fraudsters spoofing.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX an unauthorized transaction occurred on my Paypal account, I notified the original company and they refunded my payment. 
I also cancelled any authorizations through Paypal and my bank. 
On XX/XX/XXXX, Paypal emailed me and stated although the transfer failed from my bank, they used my paypal balance. 
I was unable to determine if I had a balance at that time, their activity didn't align with the facts and their system refused to allow me to open an investigation. 
I replied to the email and they responded that they don't monitor it and refused to provide any other method to contact them. 
I had to XXXX the number and I was told to just disregard the email, their IT department refuses to fix incorrect information being sent to customers. 
Paypal alleges it sent false notification of an XXXX violation and nonchalantly asked that I ignore the issue.
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

The mortgage company said they did not receive my email copies of paystubs. I clearly have proof of the email. I did an Emergency Order to Show Cause at XXXX Court on  XXXX XXXX. The Judge agreed to stop the sale. Midfirst Mortgage sold my house although the order to show cause was signed by a judge. They are liars and dont honor emails or Judge rulings. They lied and sold my home. I think Im having a nervous breakdown. How can they get away with stealing.
Consumer complaint received 2023-10-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email at XXXX in the morning on XXXX, XX/XX/XXXX indicating that someone had attempted to pull out {$300.00}. From the very moment the money hit my account. When I asked them to provide me information on how that was even possible, they had nothing for me. They just shrugged their shoulders and said this is happening to a lot of people. Right now. I have multiple bank accounts across multiple banks in my entire XXXX  years of existence. Never one time has this happened until today which tells me it is exclusively a problem with their prepaid cards. They don't care about these cards because they're for people on unemployment or XXXX and therefore not important to them because they're not making a ton of money off of these accounts. Does anyone else see the problem there in that? Apparently my biggest crime is being poor. They told me verbatim. You can request the recordings of the phone calls that it is not their job to monitor our accounts XXXX hours a day. So I post you this question. What is their job then? What is the purpose of a bank if not to have a place to keep your money safe.