davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

While reviewing my loan statement in XX/XX/XXXX, I noticed that there was an additional payment from my escrow account for hazard insurance on XX/XX/XXXX in the amount of {$960.00} that appeared unusual. I contacted Amerihome, the mortgage company, via live chat using their website. After reviewing my account, the representative explained that the payment was for a lender 's placed policy because there was thought to be a lapse in coverage. She further confirmed that they had later received proof that I already had coverage and there was no lapse and the amount for the lender 's placed policy should have been refunded to my escrow account. She deferred the issue to Amerihome 's insurance team for further review and stated that I should allow at least 3 business days for someone from the insurance team to contact me. I never received any follow-up correspondence. On XX/XX/XXXX, I contacted Amerihome by phone to follow-up on the issue. The first representative initially had difficulty finding the payment transaction in question in their system but eventually found it and explained that he was researching my account. After being on hold for 90 minutes, I was disconnected. I immediately called Amerihome again and was connected with a different representative. The second representative stated that the payment transaction from my escrow account that I was questioning did not exist because she could not locate it. I explained to her that I was looking at my statement online at that very moment and the transaction was indeed there. She placed me on hold for 67 minutes, after which I was disconnected. I then sent a secure message via Amerihome 's web portal regarding the issue and asked for someone to follow-up with me. I never received a response to this message but a representative had later marked the message as " RESOLVED ''. I've sent approximately 5 more secure messages via Amerihome 's web portal asking for resolution since XX/XX/XXXX. One received a response that the payment was made to my insurance company, XXXX, and that any refund for overpayment should be sought from XXXX. After providing a copy of my XXXX statement showing that the payment was not paid to XXXX, all of the remaining messages I sent received a response that a representative from Amerihome 's insurance team or a supervisor would contact me within a few days. I still have not been contacted by Amerihome regarding the issue nor has my escrow account been corrected.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (OH)

I had my wages garnished for a credit card debt that was bought by Unifund. The total amount was sent to my employer and was completed in XXXXXXXX XXXX XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.
Consumer complaint received 2021-05-05
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: NCB Management Services Inc. (NY)

This agency is 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. All reporting needs to cease.
Consumer complaint received 2022-10-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IA)

In XX/XX/year>, I applied for and received a credit card from Comenity Bank that I was using and making payments on time. On or about XX/XX/year>, I was out shopping, and my purchase was declined. Concerned about this issue, I called customer service and spoke to XXXX, who informed me that my account was locked without notice or reason. I asked to speak to a supervisor who informed me that my account had been sent to the Account Protection Verification Department requesting address verification. This company was made aware in the beginning that I am a XXXX XXXX and have a physical address in one state and a XXXX XXXX XXXX address in another state where my job is based. XXXX in Account Protection said I had been sent a letter to my mailing address, which she confirmed as my XXXX XXXX XXXX After a few days, I still had not received said letter. I called again, I was told the letter was requesting the front and back of my driver 's license, social security card, utility bill, and W2 to verify my address. As requested, I emailed this information to the email provided. I am still confused as to the change in my account, I call every couple of days to check the status of the verification process. From XX/XX/XXXX thru XX/XX/year>, I spoke with XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, my USPS informed delivery notified me that Comenity Bank sent a letter to an address that doesn't exist, that I never provided to them as mine that contained partial information of an old address I had, which after more than 2 weeks finally forwarded to my physical address. I called them again on XX/XX/XXXX to notify them of this error and spoke with XXXX, who informed me that my verification process was unsuccessful and my account had been closed and refused to provide reasons for their decision or who authorized the fraudulent address they used. 
In closing, I promptly received the credit card they sent me to the current mailing address I provided to them. I had not promptly received the letter they claimed to have sent to my mailing address, but instead, they used an inaccurate address combined with a partial address I had formerly. 
I firmly believe they collected several pieces of information from my credit report history and used it inappropriately under false pretenses, which raised a security issue thru no fault of my own. After complying with their request, sending several pieces of confidential sensitive information verifying the only 2 addreses I currently have, this company refused to reinstate my account or provide any information as to who authorized the misuse of the combined partial addresses obtained.
Consumer complaint received 2022-10-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

We have recently applied for a Home Equity Loan and as part of the closing process the Home Equity Loan underwriting team is requesting our existing mortgage company, Caliber Home Loans, to provide them with a written response to be able to close in second/inferior position to existing lien holder which is stated as a required process in our current mortgage agreement with Caliber Home Loans. 

We have been in contact with Caliber Home Loans since XX/XX/2022 without any response from them. We have contacted Caliber Home Loans ' customer service phone number, emailed XXXX, and contacted them via their messaging portal we have access to as part of our mortgage and as of today, XX/XX/2022, not only have we not received any response, we also have not been provided with a ticket number or an ETA when they would respond. This is a deadline driven process which normally mortgage companies respond to within 24-48 hours the most. We are simply requesting Caliber Home Loans to respond so we can proceed closing on our Home Equity Loan which is set to expire soon.
Consumer complaint received 2022-10-10
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IN)

In accordance with the Fair Credit Report act, AMERICOLLECT INC, 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 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-06
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. (TX)

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 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CT)

I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company XXXX XXXX.
Consumer complaint received 2019-08-12
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. (MO)

My identity has been compromised and not only that I was a victim of the Equifax data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXX
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (AL)

I have been contacted repeatedly for the past two weeks by a company named financial asset management systems. Their number is XXXX ( XXXX ) XXXX. I do not have any outstanding debts or balances to any creditors, debtors or businesses. However the persist in calling me. Today, XXXX XXXX I received a call and the representative XXXX XXXX Washington, I believe ) asked for my birthdate and last four digits of my social. When I gave her the information she said thank you and hung up the phone. 

I called back to speak to a supervisor and A XXXX transferred me to a XXXX, XXXX ( I can not recall ) and told her what had happened with the previous call and that I believed this organization to be a fraudulent one and to stop calling me or I would report them. She then said it was not a scam and asked me for my social and birth date again. I told her I would not supply this information, and to send a certified letter to the address on file. She said she would not and persisted to threaten me. So I ended the call.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (OH)

XX/XX/21 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. {$15000.00} I went to a dealership to trade my car in for a different one at XXXX XXXX where they ran my credit through all of these companys an I had {$45000.00} in the bank at XXXX  XXXX XXXX at the time. All these companys denied me a loan there are several more on different dates. An all these inquiries are posted on my consumer report
Consumer complaint received 2018-10-05
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: Experian Information Solutions Inc. (NV)

XXXX received a cashier check for {$1400.00} on XX/XX/2018. As of XX/XX/2018 2 billing statements show that I still owe {$1400.00} on all 3 credit bureaus. This is effecting my credit scores. I filled disputes with all 3 credit bureaus. Why is XXXX refusing to update my account with a XXXX   balance to the reporting credit bureaus.
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX Good Day To You All. 
I have a Mortgage Loan with JP Morgan Chase Bank. I have been a very regular customer over the years, sometimes even paying my instalments, a month before. 
But due to COVID 19, my business, like millions of other businesses got severely affected. 

My location is awfully close to the infamous " XXXX XXXX '' in XXXX, which used to appear on XXXX and other channels daily, where 100 + people were dying every day. In fact, we had to close down our Business due to Lock Down Orders from the Governor and there was XXXX income for a few months. 

I therefore called up Chase Bank and requested their help with Forbearance in terms of the CARES Act., for the first time ever. I do not recollect the exact date. But I think, it might have been towards the end of XXXX or XXXX week of XXXX. I was assured that it will be taken care of. 

Resting assured that there wont be any late payment placed on my blemish less payment/credit history, I missed one Mortgage Payment. However, I saw that a Late Payment was placed on my Credit Report, to my surprise. And my Score went down drastically. 

Many of my friends are still on Forbearance for more than 6 months. But I have already caught up with the missed payment and am fully current on my Mortgage, paying right on time or even before, despite the very slow Business conditions. 

From XXXX XXXX I have been requesting Chase, sending a lot of messages through Chase.com ( message history attached ) requesting them to delete the Mortgage Late from my Credit History and also delete the Late Charges. 

They confirmed that the Late Charges have been removed but they do not seem to have removed the Mortgage Late on my Credit History, so far. 

.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IA)

Keep getting robocalls from " harris and harris '' debt collector-I called them and they have wrong number-trying to reach someone in Illinois-I am in Iowa-totally different name.I told them twice-stop calling, but they do call several times a week-I blocked the number, but still fill my voicemail.
Consumer complaint received 2019-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TN)

We had a house fire in XX/XX/XXXX that substantially damaged our entire home to the tune of approximately $ XXXX. Our initial disbursement from insurance was $ XXXX of which, all had been paid to us and in turn to our builder for work performed. Our home was noted as more than 85 % completed as of mid XXXX and we plan to move in within a few weeks as the last details are completed. We have approximately $ XXXX in payments from insurance to trickle in over the upcoming months. $ XXXX was received by us XXXX and submitted to Roundpoint Mortgage for processing to pay our builder. As of XX/XX/XXXX Roundpoint has declined to return these funds to us to pay our builder. We have had to pay our builder out of our personal savings. Proof of these payments has been provided to Roundpoint yet they have still failed to issue payment to us. Given that our home is substantially completed, Roundpoint has no excuse to continue holding funds due to us as repayment for payments to our builder.

Roundpoint has only issued payment to us in two situations ( 1 ) we filed an initial CFPB complaint and payments 1 and 2 were released and ( 2 ) we contacted ORNL FCU who is the primary servicer and they directed Roundpoint to release final payment of the $ XXXX ( payment # 3 ).
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: Dealer Funding, LLC (NC)

Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ] for my account [ loan  account number XXXX ]. 

During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she passed away, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
Consumer complaint received 2022-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I attempted 5 times in one day to purchase flooring online at XXXX XXXX. I had over {$10000.00} in available credit. The flooring cost about {$7600.00}. Each time, Capital One denied the purchase, due to a " Fraud Alert '', despite the fact that I confirmed the purchase 4 times by text and 3 times by phone. I provided my SS number, birthdate, confirmed a code they sent me, etc. Each time they said it was cleared and then denied it again. I wasted an entire day trying to make this purchase. Each time I was denied, I had to contact XXXX XXXX also, to clear the purchase so that I could try again. I need this flooring and they do not carry it in the store. I also work and now I guess I have to get to the bank, take out cash, and go to the store to place an order. What is the point of a credit card if you can't use it. The last Capital one rep I spoke to could not provide me with any reason why I was being denied and basically didn't do anything to help.
Consumer complaint received 2021-02-05
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. (NC)

Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX
Consumer complaint received 2019-11-16
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. (CA)

I am a victim of identity-theft and have previously made reports to my local police, FTC, Transunion, XXXX, XXXX  and Creditors on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.