davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Academy Mortgage Corporation (FL)

We have an intention letter provided by one lender with just an interest rate and another lender for a commercial loan related to a 1-4 single family residential property. Our contract specified we were to finance utilizing a conventional mortgage. At this stage, we are unable to access any loan application documents because the mortgage broker no longer has them available through their portal ; however, I have screenshots of all correspondence related to when they stated our loan application was completed. There are several violations to the consumer regulations surrounding this.

RESPA : 1024.6 ( a ) ( 1 ) Special information booklet at time of loan application; 1024.6 ( a ) ( 3 ) ( iv ) Forms or booklets from other federal agencies based on Federal Register ; 1024.7 ( b ) Good faith estimate ( GFE ) within 3 business days ; 1024.7 ( a ) ( 4 ) Fees for appraisal, inspection, or other similar settlement service until after GFE has been provided ; 1024.15 Affiliated business arrangements.

SAFE ACT : Registration of the mortgage originator through the state and federal registry inclusive of timeframes when changes occur and mergers occur.

Regulation K : We were not given the GFE nor term sheet to date ( XX/XX/XXXX ) so we were not given adequate time to revoke the contract I have started a file which outlines all parties/affiliates involved, timeline of when things were completed and what was not provided in order for us to adequately cancel/terminate the contract within specified timeframes. 

Us as the buyers requested the real estate agent terminate the contract to purchase based on paragraph 3 of our financial contingency on XX/XX/XXXX. As of XXXX, we have not heard from the agent, broker, or anyone and nothing has been sent based on our request. We are set to close on XXXX without any actual closing settlement received. 

We believe this was a scam to keep the monies spent which totaled {$53000.00} : XXXX. {$50000.00} XXXX XXXX ( XXXX company ) - bank wire XXXX. {$1700.00} Appraisals ( XXXX ) - credit card XXXX. {$1700.00} Inspection - credit card. 

I have uploaded some key email correspondence regarding communications which outlines what was received. A couple key things to note regarding lenders : XXXX. XXXX stated in one email our application provided to only one vendor XXXX. XXXX XXXX- this did not disclose all required terms - just an interest rate 3. She then provided a 2nd estimate without bank denoted and when later asked she provided one name and then provided estimate by another lender entirely without adequate information as this was just a letter of intent.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NH)

In the course of the last few weeks I attempted to obtain a free credit report by Experian. 
After entering all the info required, and hitting " proceed '', an error message would appear that would tell me to call their customer service to speak with a customer service representative I proceeded to call and an automated attendant would respond, that would do the following : XXXX either take me through questions and at the end refer me to their online help page, that would then take me back to request the free credit report as I had already done, hence receiving the same error message that would tell me to call customer service and speak to a customer service representative XXXX or switch me to a recording saying we are unable to connect you to a live rep. 

Mind the above following an error message generated by their own platform, stating that there was a problem on their side, not mine, and that I should call customer service to speak with a rep.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

To Experian Dear Experian While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/year> XXXX XXXX XXXX, Inquiry Date : XX/XX/year> XXXX XXXX XXXX, Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize any individual employed by these companies to make an inquiry or view my credit report. Additionally, I did not give you, Experian, permission to include this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ), which constitutes fraudulent activity and is a serious breach of my privacy rights. 
Please validate this information with the aforementioned companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
Furthermore, I demand that you, Experian, produce a contract between you and me, the consumer, bearing my signature that shows I gave you permission to furnish any information on my behalf. 
In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and complete this investigation, as per the Fair Credit Reporting Act Section 611
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/year> XXXX XXXX Dispute Department Dear XXXX XXXX Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXXXXXX XXXX account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXXXXXX XXXX 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXXXXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681 b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( after any reinvestigation under paragraph ( 1 ) 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- ( IL promptly delete that tier of information from the fie of the consumer, or modify that item of information, as appropriate, based on though results of the reinvestigation ; and XXXX XXXX entity the furnisher of that information that the information has been modified or deleted from the tie of the consumer. Please remove the following items from my credit report, immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

An identify thief gained access to my Experian account changing the email address and phone number associated with the account. I am since unable to gain access to my Experian account, and the thief ostensibly has unlimited access to it. Experian has required that I mail or fax to them and unacceptable trove of personal information in order to regain access to my account, namely, and I quote : " One copy of both the front and back of your government-issued identification card ( such as a drivers license or state ID card ) that displays your current address One copy of a current utility bill, bank statement, or insurance statement that displays your current address One copy of both the front and back of your Social Security card '' I am extremely uncomfortable sending this much personal information to a company that has already violated my trust by allowing an identity thief to gain access to my account.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but may be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/Never late and send me a copy of my updated credit report regarding dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this should not be late, send proof now. Also please pass this along 15 USC 1681s-2 ( F ).
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Jefferson Capital XXXX XXXX {$3600.00} opened without my consent and knowledge on XX/XX/year>
Consumer complaint received 2021-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am graduating from the master 's program in XX/XX/2021 and moving out of state. In conjunction, I am looking to purchase a home. In order for me to apply for a home loan, I have to provide a minimum payment amount for them to run XXXX. I contacted XXXX multiple times to figure out the best way to go about figuring out the minimum payment amount to provide my loan officer. I tried a total of three : XXXX, XXXX, and XXXX of 2021. Each time I was provided with a different answer. Answer given in XXXX, they stated that I would not be able to know approximately how much my payments would be and then I needed to wait until XX/XX/2021 for your company to figure it out. XXXX rep stated they would need to wait until my school filed paperwork stating I graduated in order to figure out how I would be required to repay. Then today, XX/XX/2021, XXXX XXXX number XXXX referred me to another outside website to figure it out. 

Your reps are all seemed undertrained and have no idea what they are doing. They also do not answer questions. If you don't know, then state that you don't know. Perhaps as a collection agency charged with collecting student loan balances from millions of borrowers, shouldn't your employees know the answers to these questions? I am pretty sure, I am not the only one you had questions like this nor requests of your company.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Navient XXXX XXXX  reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to Navient and the XXXX XXXX showing that i wa in a forbearance with my student loans. I contacted Navient with copies of my application for the forbearance and the credit report. Navient also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CA)

XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
Consumer complaint received 2024-02-28
Product: Credit 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. (FL)

Subject : Re : Dispute Regarding Unsatisfactory Service at XXXX XXXX ( Case # XXXX ) I am writing to express my strong dissatisfaction with the handling of my dispute regarding a service performed at XXXX XXXX XXXX XX/XX/XXXX ( Case ID : XXXX ). The service, totaling {$2900.00}, included a XXXX oil change, acceleration issue diagnoses, and brake fluid exchange. 

Timeline of Events : XX/XX/XXXX : I paid {$2900.00} for the aforementioned service at XXXX XXXX. 
XX/XX/XXXX : Dissatisfied with the service quality, I filed a dispute with Chase, highlighting the unsatisfactory service received. 
XX/XX/XXXX : As per Chase 's request, I submitted additional documentation, including a report and second opinion from XXXX XXXX XXXX XXXX, clearly identifying discrepancies in the service provided. 
XX/XX/XXXX : Chase initially acknowledged the dispute 's validity. 
XX/XX/XXXX : Concerned with the lack of clarity, I re-contacted Chase, reiterating my concerns and providing further evidence. 
XX/XX/XXXX : After months of no updates, I inquired about the dispute status. 
XX/XX/XXXX : I contacted Chase again and learned the dispute remained " under merchant review '' despite exceeding a reasonable timeframe. 
XX/XX/XXXX : Chase unexpectedly closed the case, reiterating its validity. 
XX/XX/XXXX : Upon receiving a physical letter, I discovered the online status still displayed " under merchant review. '' I contacted Chase and escalated the issue to the Executive team. 
XX/XX/XXXX : The Executive team denied my claim, stating no justification was found.

My Concerns : Misrepresentation of Dispute : Initially, I disputed the charges due to unsatisfactory service, yet Chase initially categorized it as a suspected fraudulent transaction.

Inadequate Justification for Denial : Despite providing substantial evidence ( second opinion report, service invoice showcasing inconsistencies ), Chase failed to provide a valid justification for denying my claim.

Inconsistent Communication : Throughout the process, the online status update system lacked accuracy, and communication was inconsistent.

I am deeply disappointed with the handling of this case. The evidence clearly demonstrates that the service was not performed correctly, and the lack of transparency and justification for the final decision is unacceptable.

Therefore, I formally request that you re-evaluate my dispute and consider the evidence provided. I believe a full refund is the appropriate resolution in this case.