davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

On XX/XX/XXXX we entered into a Refinance of our Home Mortgage with Amerisave Mortgage Corp. of XXXX GA, following a referral from XXXX XXXX. We were assigned a Loan Originator, XXXX XXXX, from their XXXX Office. We asked MrXXXX XXXX if an Appraisal of our Home would be required and he replied no. We then paid {$500.00}, as required, prior to the Company advancing our Mortgage. On XXXX we received a document request including instructions to assign our XXXX XXXX XXXX to XXXX. On XXXX we faxed all requested documents and reassigned our Home Owners Insurance. At this point, communication with Mr. XXXX was poor. XXXX Mr. XXXX sent a second document request, " concise list of what is seen as outstanding at this time '', and on XX/XX/XXXX we faxed the single document requested. No additional requests were received. On XX/XX/XXXX Mr. XXXX sent us undated Disclosures for our signature. We emailed some questions to Mr. XXXX. We left a voice mail on XX/XX/XXXX because of no response. On XX/XX/XXXX, following a complaint to the XXXX office we were assigned a new Loan Originator, MrXXXX XXXX XXXX. He answered our questions, and said we were now required to have a Home Appraisal. Our provided Time Line will provide concise additional information.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

My credit report states that IC Systems put a major derogatory mark on my credit report in the amount of {$460.00} on behalf of XXXX XXXX. I spoke with XXXX XXXX at XXXX on XX/XX/2020 who stated that they have yet to contact me nor have they sent any correspondence from me. Furthermore, they stated on my credit report that I am more than 120 days late on this account, however, Mr . XXXX   stated to me that they have only owned the account or 99 days. This company put a false mark on my credit report : incorrect dates, has not contacted me, and has not validated the debt. Mr . XXXX refused to give me the phone number to IC Systems at first until I told him that I was transferred to him did not have access to the phone number.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Ive been on fraud block with Bank of America for over two weeks Ive waited on hold 8 hours a day transferred hung up on I have money In account they will not send my debit card they will not speak to me they will not give me my money and say they will not give me my money with out a lawyer Im a victim of covid 19 its my unemployment so I dont get evicted with my three year old child I have a disconnect notice for water I have money to pay my bills that Bank of America will not give me. I need help I just want my money so Im not on street with my baby
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (IL)

I have business and personal accounts with Regions Bank. 
I did call several times to inform them that I could not access my business account online and not sure why because my online profile clearly shows personal and business accounts but online my personal account opens. I asked them why my business account is active yet I couldn't access it online. 

Moreover, I tried to withdraw money from my external trading account into my personal account but could not do it because they said : '' Regions Bank is blocking you from enabling external applications '' All these make it challenging to manage my account and do business with this bank.
Consumer complaint received 2023-01-31
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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 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
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Orions Management Group, LLC (CA)

On XXXX/XXXX/17 at about XXXX I received a call from XXXX ( XXXX ) XXXX. The person on the line said this is XXXX from Orion. I asked her if she could provide me with a website address. She was reluctant to give me information. She was very rude, and she said, '' I ca n't do that, XXXX orian you should be able to find it. " She went on to tell me about debt I owed and if I wanted to settle. I told her yes. She put me on hold. The call got disconnected. I called back and again she was very rude. She said, " You hung up on me! I have your credit report right in front of me! You pay no one! You there?! helllooo! Ugh I 'm putting you on hold. '' The call got transferred to another person named XXXX and I did settle the debt with her. She asked me for my work name and phone number. I did n't provide the phone number because I have previously received multiple harassing phone calls. It would be humiliating to receive them at work. This company contacted family members that I do n't speak to. I had a family member call me and ask me if I was being taken to court and being sued because someone by the name of XXXX left a threatening message.
Consumer complaint received 2021-03-25
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. (SC)

There are serveral account reporting I didn't authorize these accounts are violating my rights. Please remove these inaccurate accounts from my credit report and send updated copy to me. 
XX/XX/XXXX # XXXX {$500.00} # XXXX {$55.00} - I DON'T EVEN KNOW WHAT THIS IS XXXX XXXX XXXX {$800.00}XX/XX/XXXX# XXXX {$960.00} i'VE Tired reaching out to each company and got no help! These accounts are fraudulent and causing me great distress. I'm having a hard time getting approved for house because of these accounts that does not belong on there. The credit reporting agency is violating my rights. Please remove these accounts from my credit report.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (IN)

Received three individual letters from Synchrony Bank cancelling credit cards with XXXX, XXXX, and XXXX, each stated the decision to cancel the individual credit card was : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' This is not true as each account was up to date and there were no late payments prior to the receipt of the letter with each account having a {$0.00} balance. 

I have contacted each of the companies individually and received no answer as to why the action was taken. My current credit score is XXXX and rated excellent by my bank. 

I do not want the credit cards reinstated but I want the reason for cancellation corrected, for my records.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANS UNION CREDIT REPORTING AGENCY has a freeze on my credit report that I did not authorize nor issue. on monday XX/XX/2020 I spoke with a representative when trying to access my account online being I had been notified of a credit freeze on my trans union account. The representive was insulting and misguiding and stated she would e-mail a password reset link. I called back spoke with a male representative claiming their system was down. However, I keep having this issue with them and I have good reason to believe they are participating in covert harassment and possibly attempting to prevent me and other companies from viewing my credit report being it is possibly incorrect and/or attempting to prevent me from filing a dispute on inaccurate items on my credit report for another entity. The representative made a statement saying " You can't use us to get a loan '' I never mentioned to them I was trying to get a loan However, that's how I was notified that i had a freeze on my credit report while attempting to apply for a loan online but never said this to them. I've been hung up on or system is always down or left on hold for hours and no one returns. I worked in credit for 12 years myself personally and I know they are violating my rights
Consumer complaint received 2020-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/20 - received tax bill in mail. called Amerihome Mortgage and they said they didn't have bill so they were not going to pay it. I could send copy of bill and it would be paid. They escrow to pay taxes and insurance. They  failed to pay homeowner 's insurance in XXXX, XXXX and XXXX resulting in my policy being cancelled. I was refinancing with them as they told me it was easier and quicker. Process took months including policy cancellations and late fees. My taxes would not be paid if I didn't call them. Disconnected 3 times while on hold for over an hour. Requested supervisor or manager and never connected. Mortgage is significantly less than value of home. Amerihome benefits if i have lien and foreclosed for not paying taxes.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

TransferWise ( now wise ) suspended my account with active balance of XXXX aud on XXXX XXXX and requested for additional documents. I provided all supporting documents as requested but on XXXX XXXX, they closed my account. Since then, they have not issue any update concerning refund of my active balance and my emails are not replied. The customer service on phone also tell me they can not do anything except the account specialist team who are refusing to respond to my email
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of identity theft in which an individual opened/submitted a credit card application with Capital One through Cabella 's. I submitted an official letter with requested personal information to Capital One on XX/XX/2021 per their request in attempting to retrieve further information/details. I have been unsuccessful with 3+ follow-up calls to them asking for this information.
Consumer complaint received 2020-10-21
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. (CA)

I refinanced a mortgage. The new lender paid off the old mortgage on XX/XX/20. In XXXX, my TransUnion credit report showed the new mortgage with the new principal balance and the new monthly payment amount. But it also showed the old mortgage with the pre-payoff principal balance and the old monthly payment amount -- i.e. according to TransUnion, I have two mortgages and two monthly payments on the same property. I called both the old lender and TransUnion. The old lender confirmed the payoff, said the account was closed, and said this information had been reported to all credit bureaus ( both XXXX and XXXX show the old account closed with {$0.00} balance ). TransUnion said I needed to submit a dispute, which I did. On XX/XX/20, TransUnion reported that the result of the dispute was that the old lender had confirmed the information on my report, so it would not be changed. On XX/XX/20, I submitted a new dispute with TransUnion, which was scheduled for a result by XX/XX/20. On XX/XX/20, that dispute simply disappeared from the TransUnion website. On XX/XX/20, I submitted a third dispute with TransUnion. I suspect it too will disappear. In the meantime, the old lender continues to confirm that the account is closed with a {$0.00} balance. I uploaded documentation with my second and third TransUnion disputes. I am currently being denied credit because of the duplicate mortgages on my report.
Consumer complaint received 2017-08-07
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. (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. Experian, XXXX, nor XXXX has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-08-07
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. (TX)

On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the Transunion details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I received a payment through my PayPal business account in the amount of {$2500.00} Not only have I still not received my money due to a " hold '' on my account, my money PayPal won't release to me, PayPal has also charged me a fee of {$160.00}. Im sorry but PayPal I'm over being used and robbed from use I pray the credit bureau can put a stop to this! 
Thank You for your time, XXXX XXXX PayPal account info user name : XXXX invoice XXXX payment of {$2500.00} from XXXX XXXX XXXX email : XXXX card ending XXXX
Consumer complaint received 2021-03-25
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information XXXX EQUIFAX XXXX XXXX XXXX XXXX. I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

I received a notification that a debt has been reported to XXXX. Upon checking, I noticed that it was a debt under dispute. 

I received a letter dated XX/XX/2021 from Knight Adjustment Bureau ( KAB ) and quickly sent a response by mail on XX/XX/2021. They did not include proof of the debt either than a letter ( copy attached ). 

I explained that my debit card got lost and was used fraudulently and do not owe the debt.

The debt was report to the credit bureaus by KAB on XX/XX/2021
Consumer complaint received 2021-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a dispute to Equifax regarding information being reported in my credit report. 
The dispute was submitted via certified mail and submitted by their records on XX/XX/XXXX and completed on XX/XX/XXXX. I have not received a copy of the results still as of XX/XX/XXXX and they are still reporting the same information without any resolution. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XXXXXX/XX/XXXXAccount # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA in not reporting on my credit file that this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XX/XX/XXXXXXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after dispute the CRA is not reporting on my credit file that this account was disputed. USDOE/GLELSI Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. The original dispute for said accounts is attached along with a current copy of how each are still being reported.