davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

Purchased home on XX/XX/XXXX with financing through XXXX XXXX, loan ID XXXX. The Mortgage was sold to Amerihome, Mortgage, acct. # XXXX with the 1st payment due onXX/XX/XXXX. I received a property tax statement from XXXX XXXX dtd XX/XX/XXXX bill # XXXX and map # XXXX indicating that XX/XX/XXXX taxes were not paid and that a penalty of {$54.00}, interest of {$27.00} and other fees of {$32.00} had been added due to non-payment. I immediately call Amerihome customer service and spoke with XXXX ( no ext. #, no last name, no direct telephone # ). I was assured that the taxes had been paid inXX/XX/XXXX by check in the amount of {$1000.00} and that all " extras '' were taken care of by Amerihome. I trusted Amerihome -- never again! I received a statement from XXXX XXXX stating that the XX/XX/XXXX taxes had not been paid and to ignore statement if this was not the case. Again, I called Amerihome and home and spoke with customer service and was assured that this was taken care of and not to worry that all was paper-work catching up, etc. When I received a notice for my XX/XX/XXXX Property tax in XX/XX/XXXX and the notice indicated that the XX/XX/XXXX taxes had not been paid, I went to the tax office and discovered that Amerihome had paid someone else 's taxes. The difference in the map # was MINE -- XXXX and the one that had been paid was XXXX. I called Amerihome and spoke with XXXX who told me it would take a few weeks to correct. OnXX/XX/XXXXI called back and spoke with XXXX ( Supervisor ) that told me it would be 2 weeks to 1 month to correct. Both assured me that all penalties, fees, additional taxes, etc. would be paid by Amerihome. I called on XX/XX/XXXX and spoke with XXXX ( Supervisor ) who told me the issue was in the Legal Description Dept. and that our house payment would be adjusted and all issues would be resolved During one of my conversations, I requested the XX/XX/XXXX and XX/XX/XXXX statements. They are not showing in the computer system and was told copies would be mailed. I received XX/XX/XXXX& XX/XX/XXXX instead. To date, I do not have the XX/XX/XXXXstatements.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

There are three problems that occurred : 1 ) My mortgage company, XXXX XXXX, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has XXXX past due, which caused my credit score to drop by over XXXX points. It's outrageous.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (MI)

XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 a account without my written instructions
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I reported the capital one bank and criminal law enforcement officers stalking me and defrauding my bank account. They closed my debit card against my will and the XXXX  police officer was on the phone with them trying to excuse crimes on " job '' procedure. No such procedure exists. This police officer is trying to steal money again and frustrate me. Stereotypical law enforcement officers are to XXXX  XXXX  to be trusted. 

I tried to dispute two XXXX transactions that XXXX doesn't have on record but the bank stole the money and threatened to shut off my debit card again to assist the police officers XXXX  XXXX psychological tactics. To repeatedly XXXX the victim and call them crazy for telling the truth.
Consumer complaint received 2022-08-10
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-06-04
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. (CA)

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX   XXXXXXXX, XXXX  XXXXXXXX, XXXX XXXXXXXX, XXXX/XXXX   XXXXXXXX, XXXX XXXXXXXX
Consumer complaint received 2020-10-13
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. (FL)

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I am financially strained. I know 2020 has hit a lot of people hard. My mom got sick and could not provide child care, so I had to find child care. Then my father had a massive XXXX and had to have XXXX XXXX. I have been trying to help them. My husband got hurt at work and then was terminated due to COVID. He is trying to get the workers comp case taken care of, so he is not on unemployment. I have XXXX children and I am the only one working. I can not continue to pay the {$100.00} plus every other week and it not be making a dent in my balance.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MO)

I am trying to redirect my excess payment towards the second credit balance on my TD credit card ending in XXXX, but to do so i have to call since automated system and online system will not redirect excess payment to customer requested balance but always applies it to an older balance. It is on their website, to call and instruct the 'human agents ' to apply the excess payment to the deferred interest balance of customer 's choice. 

But XXXX does not provide human assistance even after being on hold for nearly an hour every day. They wall off customers with an automated service that is useless for the purposes mentioned. And when a human agent is requested the customer is put on hold forever due unspecified external reasons. Making the customer unable to pay off the loan to the deferred interest balance first and forcing the customer to pay the interest. 

Have never seen a more incompetent customer service and bank than XXXX XXXX 

The phone humbers they give me on the statement is XXXX And the customer agents who claim to be just handling online services transfer me to another department phone which is XXXX where i wait for hours everyday just to get some human to redirect and apply my payments. SO far i am unable redirect my excess payment to the balance of my choice.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CO)

I contacted support to close my checking/savings account ( early XX/XX/XXXX ) and was told it will closed/no further action was needed. The same day I transfer my remaining funds out of the account into a new account at a different bank. 

Several months later ( XX/XX/XXXX ) I receive a letter saying I owe a balance of {$76.00} and I contact support to be informed that it was due to being charged a monthly service fee the month following when I thought/was told the account was closed ( the {$0.00} balance was less than the amount required to avoid fees ), and additionally there were 2 months of overdraft fees charged. 

When explaining the circumstances to customer support they refuse to waive the amount they say I owe, and the letter I received states this amount may be referred to collections and reported to consumer reporting agencies.
Consumer complaint received 2020-07-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX  Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX
Consumer complaint received 2022-04-08
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. (PA)

XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (KY)

I live in XXXX, Ky. On XX/XX/2020, I went to Va on business and used my card. Upon returning to Ky. I was trying to check my balance on my account and couldnt remember my password and had to call customer service to get it reset. They in return redirected to the fraud dept and they told me to submit 2 proofs of identification to establish my identity. In return via email a few hours later after midnight on XX/XX/2020 they closed my account saying my identity couldnt be verified? It was my state ID and Social card, it was definitely me?!! The email said they were going to be mailing out the funds to the card holder to the address within 10 business days. Well, I waited and I called and customer service assured me that, yes MY funds were coming to ME! On XXXX the XXXX, I called again, and that's when I was notified that my funds were actually sent to VEC ( Virginia Employment Commission ) .on XX/XX/2020? ALL, my funds? there were ABSOLUTELY NO FRAUDENLY TRANSACTIONS ON THAT ACCOUNT..NONE?!!!!! I can see them sending my LAST DEPOSIT to VEC, but not my ENTIRE ACCOUNT BALANCE?! My refund taxes, and stimulas check were deposited on that account? The account was in good standing?! Why send my whole account to VEC?! I retained and attorney XXXX XXXX and we have reached a man named XXXX XXXX who said that VEC signed for the check, but as of today, nothing has has been verified? And no one is answering my attorney and Mr. XXXX said the check would be re-issued after 120 days if not cashed. Its been 120 days, and nothing from Mr. XXXX, and my Attorney is trying to get my funds sent to me asap?!!! A certified letter was issued to VEC by my attorney trying to get answers regarding this issue, but nothing has been answered as of yet?! We need answers?! My attorneys number is XXXX XXXX XXXX XXXX, and his name is XXXX XXXX.
Consumer complaint received 2021-10-13
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. (NJ)

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/2021. THIS IS THE RESPONSE THAT EXPERIAN SENT WHEN I SENT IN A COMPLAINT THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE SUMBITTED THIS COMPLAINT MYSELF, AND HAVE ALREADY GIVEN AUTHORIZATION THRU THE CFPB. I XXXX XXXX XXXX PERMISSION TO CONTINUE WITH MY COMPLAINT OF IDENTITY THEFT
Consumer complaint received 2021-05-24
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. (OH)

Ive called experian, XXXX and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

My Bank of America credit card account number XXXX XXXX XXXX XXXX was closed and there was a {$400.00} credit balance. At first they were going to send me the credit via EFT, then I received a {$400.00} check in the mail and deposited it in good faith that was on a Saturday evening at an ATM machine on XX/XX/20 and then on XX/XX/20 I received a letter stating they put a stop payment on the check and were going to apply the {$400.00} back to the credit card ending in XXXX that is closed. This all makes no sense. 

I am expecting them to refund my {$400.00} credit balance and refund the {$19.00} Returned Deposited Item Fee charged by my bank.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION (WI)

I received a Visa gift card from a former employer. This particular card was never activated and BB & T is telling me it was and they have taken XXXX in so called maintenance fees. I found the card yesterday and it has never been used. I had another gift card for the same amount that was used, but not this card. I do not activate these cards until I am ready to use them based on past experience. When I called customer service, all I wanted to do was see if I could reactivate the XXXX since it just expired on XX/XX/XXXX. Then one person told me it was activated in XXXX. Another person said it was activated in XXXX and that XXXX in fees had been take out due to non use. I never activated this card. This is a gift card. There should be no maintenance fees on a gift card that was never activated or used. I tried talking to a customer service person and a supervisor on XX/XX/XXXX and they refused to help. I just want the XXXX back on the gift card so I can use it. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (TX)

I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone is using my information to apply for lines of credit, home loans and car loans, it is bringing down my credit score and becoming harder for me to build credit. I do not believe i should be punished for these unauthorized applications.