davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

There is an overage in my escrow account with AmeriHome of over {$1100.00}. I called on Saturday XX/XX/2019 and the first rep calculated my overage to be over {$2000.00} The escrow department reviewed his calculations and decided they were wrong and put the money back into my escrow account on Saturday XX/XX/2019. When I called customer service they advised that the escrow department determined the true overage to be over {$1100.00} and because of the mix up they promised to send the check over night. I have called and spoke to 4 supervisors and a manager and I still do not have my money. I was provided a tracking number, but when I checked with XXXX they stated that the package was never provided to XXXX  for delivery.
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX I was notified that a collection had been placed on my file which already has a Fraud alert. Police report and Notarized affidavit on file. I immediately contacted experian and filed a fraud dispute because of the information already present in their records. On XX/XX/2021 a Sunday. I received an automated message that my dispute had been validated by the company. I submitted a 2nd dispute and on Monday I contacted Experian for further information. I was given the run around. I was told that I didn't have the accurate information. No one wanted to tell me what I needed. 7 calls later and over 5 hours on the phone I still had no resolve ... I was told another police report and affidavit from the FTC was needed. I provided that on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I spoke to someone and now I am being told that they want a Government issued ID along with my SS card. I have several issues with this. According to the dept. of justice I am not obligated to provide that information, In addition, Why would i provide that to the credit agency that will then share the information with the creditor that already stated " any information obtained with be used for the purpose of collecting a debt '' I do not owe a debt to XXXX XXXX XXXX. Experian has not attempted to resolve this amicably and seems to be working on the behalf of the collection agency and not a a fair and just party in this situation, This account has been disputed multiple times and and they also alter the statement that I wish to have on my credit file. My statement should indicate that I have disputed as FRAUD and not that I disagree with their findings. If they truly were investigating they would know that this is not my account and I did not authorize anyone to use my information for gain and to destroy my credit.
Consumer complaint received 2020-04-22
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. (OH)

There are two accounts reporting on my credit file that I was only an authorized user and I never asked to be. My ex husband put me on their without my knowledge and when I disputed the information the credit reporting agencies stated it was an individual account. I never opened nor signed for a XXXX XXXX /XXXX  account nor a XXXX XXXX account. All the bureaus did was report the information show it included under a bankruptcy but still have it listed under my name.
Consumer complaint received 2019-05-14
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: Onity Group Inc. (IN)

XXXX is reporting an open mortgage with Ocwen loan servicing opened in XXXX. The house was foreclosed on in XXXX under XXXX. I filed chapter XXXX in XXXX and Ocwen is showing as an open account presently.
Consumer complaint received 2017-09-21
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. (MA)

Equifax engaged in lax security practices and, as a result, my credit information was revealed to hackers. Now I need to take highly inconvenient protective steps to safeguard my security. This is an unnecessary distraction and highly troubling, particularly as I am seeking credit now for the purchase of a primary residence.
Consumer complaint received 2020-12-08
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. (TX)

XXXX XXXX XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : XXXX failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, XXXX failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with XXXX. 
ursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, XXXX is required to : Ensure accurate information is reported : XXXX must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : XXXX must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : XXXX must provide consumers with the contact information of the consumer reporting company that supplied information that XXXX used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : XXXX must pay a {$4.00} million penalty to the Bureaus Civil Penalty Fund.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX  is reporting my personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. 
Validation of debt a HIPAA authorization.

1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this report
Consumer complaint received 2021-11-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have tried to ask for a loan and a personal line of credit so that I do not have to keep overdrawing my account. my credit score has been high enough and my check goes to my account through direct deposit. I have been denied credit in my opinion just so the bank can keep withdrawing overdraft fees. in the amount I have paid to the bank in overdraft fees I could have paid off the loan in which I have applied for. the bank advertises that they help their members. this bank does not and has false advertising.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because XXXX, XXXX, and TransUnion should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for multiple American Express credit cards today XX/XX/2020 and was denied for all credit cards My credit score XXXX, annual income {$200000.00}, and employment 3+ years with same company. 

I believe American Express has placed me on a blacklist due to a delinquent account that was closed more than 10 years ago. It's unjust to hold someone responsible for a credit mistake for their entire life for something that can't be resolved. 

I believe this information is being used to deny me credit and American Express denies the existence of such a black list.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

The amount of XXXX was paid. That amount was transferred to another collection agency. Wakefield said I still owed them. the agency that got the debt was XXXX XXXX XXXX. I paid XXXX XXXX for the outstanding debt. XXXX XXXX XXXX said they were not supposed to take the payment from me. I will pay XXXX for any debt owed to them directly. I want Wakefield to take that amount of XXXX off my credit. I did not owe Wakefield and it was paid.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I had purchased a XXXX refrigerator from Costco during XX/XX/XXXX/XX/XX/XXXX using my Citi Visa card. As per the card member agreement. I get first two years of warranty from Costco/XXXX .3rd and 4th year warranty from Citi . 
My refrigerator is not working fine since XX/XX/XXXX. It's intermittent issue - it's not always cooling. I created a request with Citi Card benefits for this and they created Citi Card Benefits Request # XXXX. 
XXXX XXXX technician came in on XX/XX/XXXX and did the diagnosis. He charged me {$64.00}. 

Citi is neither telling me the right steps nor making these kind of reimbursements. 
Technician told me the compressor has gone bad and it requires replacement. But he has told me verbally and not in writing. 

But Citi can at least reimburse me for this {$64.00} in the meanwhile. It's a long pending case right now.
Consumer complaint received 2020-06-01
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 applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX/XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.
Consumer complaint received 2020-10-26
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. (AZ)

I have reached out to Transunion in regards to fraudulent inquiries being listed on my credit report. I have been battling fraudulent activity on my report for quite some time and I am in need of immediate action. I was a victim of fraud.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I initiated a bank to bank transfer of {$1000.00} dollars. Both banks in XXXX and linked and verified. When I transferred from XXXX to HSBC, the transfer is instant. I initiated a transfer on the XXXX from HSBC to my chase account. While it was very surprising that the funds will be available to me XX/XX/XXXX ( 5 days! ) ... the funds are not available and the transaction is still pending while the funds were taken from my account instantly. I rely on this money to pay bills and a simple transfer 6 days already in transit while I don't have the funds is simply unacceptable. I have bills due today and funds are somewhere ... ..feel nervous and cheated. I need HSBC to be liable for my late fees and interest while they simply illegally holding my funds. ( I check deposit would be instant as well ). At this days and time ... I find is to be illegal and unacceptable length of time. I'm starting to be nervous that they will steal my money.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/22 I sent a letter to the credit bureaus to validate accounts for the following : 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  No actions have been taken.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Back in XXXX, 2021 my card was lost/stolen. From XX/XX/XXXX to XX/XX/XXXX someone went on a shopping spree. Every single day I called Chase multiple times a day telling them to stop accepting these fraudulent charges and they did not. They supposedly closed the account but the charges kept coming thru. They sent another card which I did not receive in time for me to use it so I guess they cancelled that and overnighted another card which is the card that I use current. It was all resolved and the charges which were around {$17000.00} were credited. Whomever was using my card also called Chase and increased my credit limit!!! When I found out I dropped it back down. They also were paying my bill ( I believe ) from the checking account which was connected to the account. At the end of the time in early XXXX  I figured out with Chase which charges were legit ( auto billed items ). The rest was credited and I paid my bill. Now fast forward to XX/XX/2021 and all of a sudden the {$17000.00} was rebilled to my account. Due to a low credit limit I keep I can not use my card for legitimate purposes. I've had NO warning about this nor any recourse. They are supposedly reviewing the situation which will take 2 weeks and I am without any credit!
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

Please see complaint XXXX. Chase ' response regarding the payment date of Escrow is completely made up. They claim to have paid property taxes on XX/XX/XXXX, the attached escrow statement shows they were paid on XX/XX/XXXX. I have also confirmed with XXXX XXXX that as of the morning of XX/XX/XXXX, taxes were unpaid. Chase did this on the same day as the payoff, despite being in receipt of payoff funds. They caused the entire shortage themselves and have now created hours of work for me trying to ensure I'm not paying per diem interest over their error. I still don't have my refund. It is now somewhere between Chase and XXXX.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/20. This date was the last time of many times they called my parents who are in there 80s. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (MN)

Over the past 30 days i have called customer service 6 times. First time they answered and assured me they were sending a replacement card. 2 weeks later still no card. I have called 5 times since then and 2 times i was on hold 2+ hours no answer. Other time an hour no answer. I have had 3 deposits on my card and can not accese my cash. Im livid and need my cash. Please help.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SUNRISE CREDIT SERVICES, INC (OH)

XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XX/XX/XXXX, I noticed all of my money ( XXXX ) was transferred from my USAA checking account fraudulently using a highly insecure money transfer app name XXXX. I called USAA immediately and submitted a fraud claim. Today, XX/XX/XXXX, I received a notice stating my claim has been denied. This was clearly fraud, and do not feel I should have to pay for USAAs inability to keep my account secure and their use of an app with such poor consumer protection such as XXXX.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021 I submitted a dispute with two other credit reporting agencies in which the dispute was resolved in my favor. I tried to log onto experian.com to check my credit report and file a dispute if necessary, however I forgot my password. I then proceeded to reset my password. Experian would not let me reset my password and gain access. I tried calling them and could not get through. I finally was able to reset password and gain access to my report today, on XX/XX/2021. I then tried to file disputes against XXXX XXXX. Experian would not let me file a dispute. I received a message to call for assistance for that matter. All that I got was a recording that did not give me a prompt to resolve my problem or even connect me with a customer service representative who could assist me. This issue not fair. This is unfair credit reporting and it has adversely affected my credit score and my life as the reporting business split a bill up into three charges to report as 3 separate bills on my credit report. And then Experian caused further damage due to their lack of following the Fair Credit Reporting Act by violating in multiple ways.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below for my XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

My phone number is on a Do Not Call Registry and this company keep calling me every week about a debt belonging to someone else. 

The company name is XXXX XXXX, A Debt Collector. The number they left on my answering machine is XXXX XXXX XXXX XXXX.