davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Started the Refi process 3 months ago - was promised to close well before this - and the company has no intention to close. Paid {$500.00} upfront for them to process the application and in the meantime I haven't been able to refinance, incurring current charges with my mortgage company that could have been avoided had AmeriSave closed the refi on time. My employment status has remained the same since I started this application, however, AmeriSave realized that during the year - before my application started - I went from being salary-based to commission-based and now request documentation that does not exist. They made a mistake during their process and now want me to be accountable for something they should resolve. My credit is pristine, my income is high, and I have sufficient funds in my bank account. This company has no interest in refinancing, they are only interested in collecting the {$500.00} and dragging my feet until I tell them to keep the {$500.00} and forget about the refi. Very poor communication and predisposition from the processor and the officer. Worst consumer practices I have seen. Stay away!
Consumer complaint received 2020-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My current mortgage is through XXXX XXXX - Lake View Loan Servicing When I originally sign my mortgage I was also provided down payment assistance through XXXX Down Payment Assistance, this was coded as a second mortgage and had deferred payments for the life of the loan and the interest was not to be added until the end of the loan. 
My original mortgage company sold both of the mortgages and the company I have now is harassing me to pay the second mortgage. I have always been on time for the mortgage for my home. The Down Payment assistance grant they are trying to charge me for, since XXXX of this year, and they are also charging me late fees for this loan that is not supposed to be due. I have called them four times now and have been waiting two weeks for them to answer my ticket. Each time I call they tell me I am correct and they should not be charging me for the loan but then they take no action to correct their mistake and are still contacting me saying I owe late fees. This has added unneeded stress to my life and I should not have to call a company four times to resolve something that they admitted was their mistake on the first call.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (MI)

I received a notification that my score dropped due to remarks being added. I contacted Equifax and requested that the remarks be removed and was told that remarks are unable to be removed, which is untrue. The process to get a hold of them is ridiculous and absurd.
Consumer complaint received 2020-04-29
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. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

XXXX : XXXX Comenity Bank/XXXX XXXX is reporting an erroneous late on my credit file. I recently checked my credit and noticed this late. They are claiming I was late on XX/XX/18 which is erroneous because my account is set on auto draft. I called and inquired about this late and they confirmed that it should have not been reported and that they would remove it. When I went in to check my credit again I noticed this late is still reporting. This is the banks fault and they have already accepted this as their mistake. Please remove this late notation off my credit file.
Consumer complaint received 2019-06-05
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. (HI)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX
Consumer complaint received 2020-10-28
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. (AL)

In XXXX I submitted a complaint about XXXX XXXX  posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the city bank debt.
Consumer complaint received 2020-04-29
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: NCB Management Services Inc. (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2019-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : I opened a joint checking account with my daughter who is in XXXX for the summer. Prior to opening the account I was told if I did an electronic transfer, money would be available in 24-48 hours. Electronic transfer initiated XX/XX/XXXX, funds received XX/XX/XXXX. 
XX/XX/XXXX : my daughter called THREE TIMES trying to get them to send her debit card to her in XXXX. Rep # 1 told her to go online and do it herself. After trying that and not being able to input the XXXX address she called back. Rep # 2 puts her on hold and disconnects her. She calls back again and Rep # 3 tells her to send a photo of her passport, which she does. He then tells her he needs to get a manager to finish helping her and puts her on hold. Manager never picks up and she is disconnected again. She is XXXX, away from home on her own, training 12 hours a day for the national team and has just spent 45 minutes of her 1 hour break trying to get help with a simple request. She calls me close to tears for help. I call ( I am the primary account holder ) and they refuse to help. They need to " speak to her directly '' even though the account is in my name as well and I explained to the manager that she does not have the free time to keep calling them. At this point I say I will just find another bank and would like my money returned. This is when he tells me that the funds will not be released until XX/XX/XXXX and I have to wait until then to close the account. So they have taken my money and are holding it several days while they collect interest on it and provide no service in return.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a navy federal checking account. Navy federal offers customers the option to deposit cash funds into a coop network ATM being that I do not live close to any navy federal branch. The nearest navy federal branch is at least XXXX hour and XXXX minutes away from my home. I searched the coop network ATM website for the location most convenient to me. Before I deposited funds of {$100.00} into thXXXX XXXX XXXX I called their customer service today, XX/XX/XXXX at XXXX XXXX and the rep confirmed that my cash deposit would be available immediately in my navy federal account. After depositing the cash funds into the ATM, after about 5 minutes I did not see the funds in my navy federal account. I then called navy federal today, XX/XX/XXXX at XXXX XXXX to speak to a rep and a supervisor to inform them that I did not see the deposit and I was then informed that they saw the cash deposit but there was a 5 day business hold placed on the cash funds. I explained that I was informed by the schoolfirst fcu rep that the cash funds were to be available immediately and also that I deposited the funds to have cash available to deal with an emergency situation. I was not made aware that by using a coop network ATM that there was a potential of cash deposited would be placed on hold. This process has been completely misleading, absolutely inconvenient and traumatizing! The reason for ATM cash deposits is so that funds will be available immediately. Not to be placed on hold like a check deposit! Now to be left with absolutely no money in an emergency situation is unacceptable and outrageous! I was not able to retrieve my funds from schoolfirst fcu. There was no resolve and I am left was an emergency situation that leaves me completely distressed! All of these banks are allowed to treat customers any type of way without any consequence.
Consumer complaint received 2023-03-23
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. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXX ; XXXX XXXX  Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2019-06-05
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. (GA)

Someone has taking the liberty to apply for credit using my identity. There are a lot of inquiries showing on my Equifax report. I did not apply for credit with any of these companies. I did not authorize anyone to view my credit. Please assist me in anyway possible in resolving this matter. I have enclose identity report with inquiries listed. I did not apply.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I was informed that XXXX different XXXX XXXX accounts were opened up in my name. When calling the debt collector I asked for validation of debt and stated I was a victim of identify theft. I was never notified about the debt because the address they where sending it to was a fraudulent address also
Consumer complaint received 2020-10-28
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: Santander Consumer USA Holdings Inc. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-10-28
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: National Credit Adjusters, LLC (TX)

To whom it may concern : My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

The dates below are some when I have sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have sent four letters via USPS Certified with Return Receipt to XXXX. None of them have received a reply. The last letter was sent to both customer service and their executives to ensure that indeed the letters were being received. 

The USPS tracking numbers are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX & XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Be aware, I am NOT inquiring about validation. I am inquiring about why XXXX claims they replied with validation to my initial BBB complaint when that can not be the case. I had the wrong account number and wrong original creditor listed. XXXX sent validation for a completely different account and Id like to know why this happened as Im sure XXXX  understands replying with the wrong account information is a serious problem.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, 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. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-12-09
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. (OH)

Equifax ; XXXX  and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX and XXXX/XXXX  partial account number XXXX. Equifax is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, am demanding experian to remove account ending in XXXX from the consumer report the information is in fact inaccurate If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Consumer reporting Agency XXXX has promptly deleted account ending in XXXX. ( See attachment )