davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW ACCEPTANCE LLC (IL)

Drive Now Acceptance repossessed my vehicle and then processed a wage garnishment. No matter what they wo n't report that the account is in collections or charged off or is repossession. They keep telling me and the credit bureaus that the account is open. This is false and they should stop these deceptive false reporting and fraudulent claims against me when they are clearly violating my rights as well as FCRA regulations as a furnisher.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

Amerihome mortgage has not applied my homestead exemption to my account. The mortgage company was also asked numerous times to remove the foot front door utility tax I am wrongly being charged for. These complaints have been ongoing since XX/XX/2021 and have not been rectified yet.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXXXXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Consumer complaint received 2021-05-06
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. (TN)

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-05-06
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)

The car was sold by the bank and the account is a charge off now, I never got the notices from the bank for how much they sold the car, Please send me the documentation to verify that information otherwise delete accoutn from my credit repor XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2021-05-06
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. (FL)

The car was sold by the bank and the account is a charge off now, I never got the notices from the bank for how much they sold the car, Please send me the documentation to verify that information otherwise delete accoutn from my credit repor XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes. 

She gave me two account numbers and told me they were both in collections. 
I advised her to give me total amounts and what was owed. 

The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information. 

She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections. 


I have attached receipt, phone info, and copy of the false statement they sent to me.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My home loan was transferred to a company called loancare Im currently trying to payoff the balance owed with insurance checks totaling more than I owe. They keep stalling the process with either filing issues or even losing my check its not a hard task to deposit checks and process payment. I as well as many others I have spoken with agree that they are intentionally doing this to gain the extra interest. If I didnt pay it off myself and just sold it, the process wouldnt take as long. I currently am also due back over $ 14k for over payment. Customer service is highly rude. Thank you
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Hello my name is XXXX XXXX and I was banking with chime I've been a customer over 5 years and they just closed my account I probably think it was because I reported numerous XXXX transactions and I wanted my money back they closed my account with out a notice I usually get my XXXX tax return and all my school financial aid they just closed it
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or 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 am writing this statement in regards to the fraud I had experienced back in XXXX of XXXX. From that time till XX/XX/XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. The card was a prepaid card given from XXXX working collaboration with Bank of America. I received a letter from Bank of America stating they had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. I am now currently appealing the issue from the bank but have not received a response back for several weeks now. 

Some evidence that points to fraud include the perpetrator using a fake email account to get into my bank account. The second information I was able receive access to with the help from the Bank of America employees was that the sum of money was taken out of my account and deposited to another account with the last four digits being # XXXX. Unfortunately I was unable to receive more information on the specifics of the perpetrators account but I crossed-referenced those last four digit numbers to the numbers of the only other bank account I have. This account is with the Bank of XXXX, and the last four digits did not match. 

I have been disputing this issue since XXXX of XXXX. Since, then I had filed a police report on XX/XX/XXXX, and sent an appeal.
Consumer complaint received 2021-12-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

I checked my credit report for accuracy and noticed an account for CAINE & WEINER COMPANY in the amount of {$100.00} for XXXX. This account is inaccurate and never sent me validation, verification or notice to dispute.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT XXXX XXXX XXXX
Consumer complaint received 2019-08-18
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 — Problem with personal statement of dispute
Company: LendingUSA (FL)

I have been working with this company for months! They lied when they reported about my payments to the credit bureaus I was never late. They told me in XX/XX/XXXX that apparently payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX were returned which they should have informed me immediately when it happened. They waited months then decided to report me even though I had just spoken to them and sent them bank statements showing XXXX through XX/XX/XXXX were fine and on time. They said oh ok that’s good we updated that those months were ok but XXXX and XXXX I couldn’t get because my husband’s bank account had been closed and he couldn’t go that far back in statements. I was working with them to resolve the issues and yet they screwed up my credit for I don’t know what reason. I then received a letter from my husband’s bank explaining they made a mistake and that in XX/XX/XXXX they recharged my husband for those missed payments. I sent the company this letter over 3-4 times by email proving they were paid the XXXX! Every time I asked them about it no one had a clue where those XXXX went so now this money some how disappeared and no one knows where it is. I am beyond XXXX XXXX  with this company I have also reported them to the XXXX.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NY)

I took the loan from Lending Club in XXXX of 2018. In XXXX of 2018 I was contacted saying my bank refused to release the payment. I asked lending club to try again which they did and the payment went through. For the next three months this happened repeatedly. I filed a complaint with the NYS Department of Financial Services. Their investigation proved it was a 205 error on Lending Club. In XXXX Lending Club turned my account over to a collection agency demanding payment in full for the entire loan. When I explained the situation to them they said they would look into it. I never heard back from them. The next month lending club called asking about payment and told me the account had been pulled back from the collection agency but never notified me for a month and put more late payments on my credit report. Finally after over 20 phone calls I was given a senior supervisors phone number from the Department of Financial Services. She told me I had to reenter my account information into the system because it had been purged. I accessed the system but when I tried to reenter my password to give my account information their system said my password was invalid. Afte 2 weeks the supervisor finally returned my call and helped me change my password. When I finally logged in I found my account information was there all along. When I contacted the supervisor back she informed me that my bank account was invalid for their purposes even though for 9 months everything was fine. Lending Club never returns calls, lies, refuses to admit when they have a problem.
Consumer complaint received 2022-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

There is a Child Support ENF/ Attorney General on my report that was paid and should have never been on my report as owing {$51000.00}. Things had been paid in full and should have NEVER BEEN ON FILE! Account # XXXX
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (FL)

I was online shopping about to purchase an engagement ring, lingerie and a few more gifts for my girlfriend since she just had a birthday on XX/XX/XXXX and I wanted to propose. I put a couple of bras in the cart and received a pre approval for a $XXXX  Victoria’s Secret store credit account. I went through the motions and inserted the last four of my social as well as my date of birth. I was approved but when I went to accept the terms, it caused an error. I thought maybe it was my internet connection so I was going to wait 24 hours and try again. I went to both XXXX XXXX website and XXXXXXXX website. Surprisingly, the same thing happened on XXXX XXXX   and XXXX as well. This is really odd. I couldn’t use the back button and didn’t know who to contact. I tried to call the customer service number for each card but was told they couldn’t help without open accounts. I explained that I was just approved but the representative didn’t want to help.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

Annual Escrow Account Disclosure Statement has a material error - the estimated property tax for XXXX is double what it should be ( from $ XXXX in XXXX to $ XXXX in XXXX ), resulting in an error in my new payment effective XX/XX/XXXX. I have called four times over the last month and each time the customer service representative quickly recognizes the error, escalates the issue, and promises that it will be corrected and that someone will follow up with me. I have yet to receive any follow ups or notices of correction. This is my third CFPB complaint submitted against BSI Financial Services since my mortgage was transferred to them XXXX year ago. Apparently, submitting CFPB complaints is the only way to actually get them to do anything.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

We closed our account on XX/XX/XXXX over the phone. We were told we would receive our funds, {$51.00}, by check in the mail. The check never arrived. 

On XX/XX/XXXX I called the US bank customer service line to let them know we have not received our funds and to request them. I was told to wait 90 days to get the check in the mail. 

In XX/XX/XXXX I visited a local branch and spoke to a US Bank client consultant who said he was goint to investigate an get back to me. He called me back about a week later to tell me he was unable to help me and that I should call the customer service line or wait the 90 days. I never received the check. 

On XX/XX/XXXX I called the US Bank customer service line. The agent could not give me any information regarding our funds, nor could find any information that a check was issue to us. After being transferred back and forth to diferent agents, finally a representative opened a claim for me and said I would get a response withing 10 business days. I never got a response. 

On XX/XX/XXXX I called to inquire about my claim. I was transferred and nobody could give me any information on the status of my claim. I was told someone will call me back, but nobody did. 

On XX/XX/XXXX I called again to inquire about my claim. I was told the system was down and was transferred to another line. No one picked it up, so after several minutes I hung up. 

I called a local US Bank branch to make an appointment to speak to a manager. They told me an appointment was not necessary, they will send an email to US Bank on my behalf.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX  account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.
Consumer complaint received 2021-07-14
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. (PA)

Hello I have written letters to XXXX  and Equifax about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX/XXXX/XXXX, I tried to transfer my American Express Membership Points to All XXXX XXXX, but the transfer was not successful due to the points being frozen. 

I called American Express Membership Points team immediately to resolve the issue, the representative told me there is noting wrong with my account and tried to transfer points on his end, but failed due to the same error message. I was transferred to fraud department,  and transfer back to Membership Points team ten minutes later, this time I was told that my Membership Points account is frozen, and the reason is American Express froze my account to investigate a few thousands point I earned recently, and there is nothing they can do. I asked to speak with a supervisor, but was told the supervisor was not available. 

American Express did NOT inform me when the froze my account, and when I called, American Express failed to provide estimate time the investigation will take. I found this completely unacceptable. 

I demand American Express unfreeze my account immediately, legal action will be taken if American Express fail to comply.