davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I was trying to refinance our XXXX in FL with AmeriSave. I was originally quoted a $ XXXX cash out refinance with and a buy down rate option. When I was sent the disclosures the Loan Officer, XXXX said he forgot to include the $ XXXX cash out but to sign the documents to get the loan started and he would make the amendment. I paid the {$500.00} deposit on XX/XX/2020, which was said to be refunded at closing. I then waited several weeks with no one returning my calls, I submitted documents they requested but could not get anyone to speak with or email me back.. I did continuously receive text messages from the company that were computer generated stating that if I needed help to reach out to my loan officer. After several weeks of no contact, XXXX finally called me to say the laws had changed and I could not get the $ XXXX cash out. I said okay then I do not want to move forward with the loan, please refund my {$500.00}. He said okay and let 's talk in the future if the laws change. I agreed and waited for my money to be refunded, which it never was. After multiple calls to XXXX he finally informed me my money would not be returned because an appraisal was conducted. I never received a copy of said appraisal nor would I accept this as the reason for not refunding the {$500.00}. The terms of the loan were never correct and I feel like I have been a victim of predatory lending and a bait and switch. I have called the company at least 10 times for help and no one will call me back.. I am asking to please have AmeriSave refund the {$500.00} to me immediately. Thank you.
Consumer complaint received 2020-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

show tooltip button XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (GA)

I have disputed this error a number of times. Either XXXX  or Military Star can not grasp what Military Star has done. I had a collection account with Military Star Credit Union ( account number XXXX ). When I made arrangements to pay the last {$900.00}, Military Star Credit Union set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX  balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How may Military Star Credit Union customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.
Consumer complaint received 2020-05-26
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)

To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
( XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 

XXXX Inquiry : XXXX XXXX, XXXX General Clothing Stores XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Personal Loans Cos. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and 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 General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX 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
Consumer complaint received 2020-05-26
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. (FL)

someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX 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 2020-05-26
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-26
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. (AL)

XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

PHH Mortgage has continued to apply forced insurance to my account even though I have had continuous coverage for the 15 or more years that I have owned the property. I and my insurance company have provided them with proof of insurance and they keep ignoring it. They have recently started servicing my accounts and I have had problems with them on both mortgages that they service.
Consumer complaint received 2020-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CO)

On XXXX XXXX, I requested a payday loan online for the amount of {$800.00}. I was told the amount that was going to be took out of my account each pay period, {$210.00}, however the APR rate was not mention. I was told that when I log into my account I could see the loan and interesting rate. As of XX/XX/XXXX, that information was not given until XX/XX/XXXX on my account. In the state of Colorado it is illegal for a payday loan to charge over 36 %. This law was put in place XX/XX/XXXX. This is illegal for this company to charge me this total amount of over {$3000.00}.
Consumer complaint received 2022-07-07
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. (MD)

Per my previous complaint # XXXX the company responded that after investigation the below accounts have been verified. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete accounts.

In accordance with the Fair Credit Reporting act. This company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had a salary overpayment that was due when I left service at Internal Revenue Service. I never received documentation of the amounts owed but my refunds have been offset yearly since I left service in 2016. I have made several inquiries to the XXXX XXXX XXXX to get an accurate statement of any amounts owed and a breakdown of all funds that have been applied. I have tried to get this detail since as recently as a few weeks ago. I have recently seen this account come back on my credit report stating that the account is open and a balance of XXXX. The account is not an open account and was charged off back in 2016. The account should reflect a XXXX balance charge off. The historical data needs to be updated.
Consumer complaint received 2022-07-02
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. (GA)

The financial institutions below continue to violate my right to privacy. I have disputed this information with XXXX, Equifax, and XXXX, and have not received a response. I also filed a FTC identity theft complaint, as well as a complaint with you, the Consumer Financial Protection Bureau, -whom has successfully transmitted my complaint electronically to XXXX XXXX XXXX, and Equifax XXXX It has been more than four ( 4 ) days and the information is still reporting, and has not been blocked per 15 U.S. Code 1681c2. 

XXXX 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 XXXXXXXX
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My Mortgage was being serviced by prior servicer and my payment amount was {$2600.00} ( P & I {$1900.00} esc {$690.00} ) my loan then transferred to Wells Fargo on XX/XX/XXXX. 
An XXXX was not ran until XX/XX/XXXX indicating my payment amount was increasing to {$3100.00} ( XXXX XXXX XXXX XXXX$1900.00} XXXX {$1100.00} ) a difference of {$450.00} and reflecting a shortage of {$3100.00} which is a significant different causing a financial hardship. 
I then received another XXXX ran XX/XX/XXXX indicating my payment amount was decreasing to {$3000.00} ( XXXX XXXX XXXX  {$1900.00} XXXX {$1000.00} ) a difference of {$71.00} and reflecting a shortage of {$2300.00}. 
A billing statement was then sent to me XX/XX/XXXX reflecting an escrow balance of {$3000.00} the next billing statement was sent XX/XX/XXXX reflecting an escrow balance of {$4200.00}. 
I called and spoke with Wells Fargo on XX/XX/XXXX and spoke to a lady named XXXX. She advised the increase of payment was due to the taxes which were {$4100.00} and increasing to {$4700.00}. Which a {$600.00} increase does not call for that much of a shortage. she also advised the XXXX was also collecting for a shortage from the prior servicer which Im assuming is from about XXXX years ago since my loan just originated in XXXX. Wells offered to do a escrow shortage spread of 24 months making the payment total {$2900.00} which I denied. 
Per CFPB guidelines and from my experience an XXXX should have been ran within 60 days of XXXX acquiring the account. Whatever the amount of that shortage was prior to XXXX would have been caught at the time of the XXXX and not creating so much of a hardship now. Since this was not completed it has doubled the escrow portion of my mortgage payment. 
I also noticed there was a 2 month cushion included in the XXXX. Why is there 2 months and just not 1 month? I also did the math ( below chart ) with the current escrow balances and at the rate we are going I will have an escrow balance of {$13000.00} in the account when disbursements total XXXX {$10000.00} per the XXXX leaving an escrow balance XXXX {$2800.00}. When another XXXX is ran in XX/XX/XXXX the escrow balance will be {$5100.00}. which would then be refunded as a surplus. 
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 These miscalculations which there was an error since an XXXX was ran months apart from each other and the failure to run an XXXX within 60 days of acquiring my account has led to financial hardships with a large increase in my payment.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TX)

XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.
Consumer complaint received 2020-05-25
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: Paypal Holdings, Inc (UT)

I have a PayPal account and a PayPal Cash plus debit card my economic impact payment was supposed to be deposited into my account on the XXXX it's been almost a month now they can not seem to tell me anything I keep getting the same answers over and over and over again to keep running a deposit Trace nothing and I'm not the only person experiencing this problem I am fed up frustrated tired of not getting straight answers I want my money but can't seem to get anywhere
Consumer complaint received 2022-07-02
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. (GA)

I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Camp ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-07-01
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. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


EQUIFAX NAME : XXXX XXXX XXXX XXXX RECORD : XXXX XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNKNOWN XXXX ADDRESSES : XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX RECORD : XXXX XXXX Bankruptcy XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX 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 ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX XXXX NAME : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX EMPLOYERS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX RECORD : XXXX  XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (HI)

Don't ever use Chime. They steal your money and do not offer any protection. 

I had a roommate and friend name XXXX XXXX for several months. She have history of fraud. She also had acces to my room, where my wallet most typical was plus my phone. 

I saw several charges of XXXX dollars, that i couldn't really remember anything about it. 
I had my card and my phone. But my phone very often went missing for hours, so did my wallet. 

So i later found out, that XXXX took my phone and wallet and use my card as pleased. I know kicked her out and trying to get XXXX dolalrs back from XXXX and XXXX dollars from Chime. I have attached court paperwork in this complaint to prove my point. 

I did not use the XXXX dollars or the money on my credit card, she did. But chime dont care and say they know it better than me.
Consumer complaint received 2020-01-22
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.