davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

I am XXXX years old. I am on a XXXX. My income is approximately XXXX a year and there are XXXX in the household with no other income. I own my home and have for 26 years free and clear. I need a new roof and to have my home painted. I do not have the money for these repairs. I contacted Amerisave Mortgage Corporation on XXXX XXXX about applying for a cash out refinance. I am scared because I need a new roof. I spoke to a representative and suddenly I am in a whirlwind of documents to be initialed while she stays on the telephone. These are documents that no lay person could read that fast or understand all. But, I am scared about needing money for a new roof so I trust the loan specialist. She gave me numbers which were doable but for 30 years so I was trading some debt because I wanted to pay off my credit card debt as well but I felt I was stuck. She said that I had to pay a XXXX application fee upfront. I paid with my credit card but I did not want my credit balance to go up but I did not have XXXX cash on hand. She then said an appraiser would call to schedule an appointment on XX/XX/XXXX. I heard nothing from any appraiser so by XXXX XXXX I became even more worried because I had not heard from the loan officer or anyone. I also did not feel right when I believed I had been pressured into this loan application after some thought. I emailed the loan officer and requested that the application be terminated on XXXX XXXX. I received no reply from her. However, on XXXX XXXX I received an email from the appraiser stating they would call to schedule an appointment. I responded by letting them know I had contacted the loan officer and requested to terminate my application. I have heard nothing back from the loan officer. She kept saying in her emails we must act fast to lock-in the rate and start saving me money. It all went so fast there was no time to think and when someone needs money for a new roof they feel scared and desperate. I want my XXXX back please as this has simply increased my debt burden. After I paid the XXXX on XX/XX/XXXX it was as though most of the communication from the loan officer took a downturn. No true explanation of the process. It was all too fast. I feel it was predatory in nature. Initially, I believed I was being helped but later I realized that I was being pushed. I needed someone to help me so I wanted to believe this was the case but it was not. I sent an email to terminate because I felt if I spoke to anyone I would be pressured. I never heard back regarding my email. I had also added in my email to terminate that as of XXXX XXXX I had not heard from the appraiser even though she had told me I would receive a call by XXXX XXXX. The loan officer never responded to my email or acknowledged it yet the next day on XXXX XXXX I am contacted by the appraisal company. Thank you
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 15 U.S.C 1681 Section 602 A. Clearly states that I have the right to Privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting clearly states that I have the right to Privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

This late payment on XX/XX/year> needs to be removed because I made the payment on time. Please provide the bank statement from XXXX XXXX XXXX to verify that I was never late on this account. If you are unable to provide this bank statement which is the only acceptable form of verification, then this account must be updated to " paid on time, never late, '' as any reporting to the contrary would be false as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  Account # XXXX in accordance with the fair credit reporting act public Law 91-506, Title VI, Section 611 Please provide the names and business addresses of each individuals with whom you verified the account above so that I may follow up please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 USC 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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 XXXX XXXX, XXXX XXXX XXXX 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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 2024-06-13
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: EQUIFAX, INC. (IL)

I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my recent credit report, I noticed several inquiries that I did not authorize and which are negatively impacting my credit score. These inquiries are as follows : Inquiry by : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX, XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX I am concerned that these inquiries are fraudulently affecting my credit rating. I have never given permission for these entities to access my credit file, nor have I conducted any business with them that would necessitate such inquiries.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are not the original creditors. They are claiming to be original creditors, and reporting on my credit charging interest, however they have not been able to provide me with any original documents, signatures or proof. Information they have on file is inaccurate and does not match. I want these items deleted from my report if they can not prove my address, zip and information within 30 days as required by law, and I also did not furnish any of these accounts with written instruction. They violated my rights. 

They are not the original creditors, and do not have any documentation on file. 

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. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (FL)

We received notice that Specialized Loan Servicing ( SLS ) had processed an escrow anyalsis for our mortgage loan and determined we had an escrow surplus. SLS issued an escrow refund check for $ XXXX and our payment went from {$5000.00} to {$4100.00}. I then noticed on that stement dated XX/XX/2024 that SLS was only holding out {$350.00} for our escrow and insurance and knew this would not meet the requirement to pay taxes and insurance as we had just paid over $ XXXX in property taxes. I called SLS in XXXX and made them aware of the shortgage. SLS said they would run another escrow analysis which made our payment from from {$4100.00} to {$6100.00}. I called SLS and on XX/XX/2024 and asked how do I pay back the escrow funds and she stayed on the phone with me and told me to login to www.sls.net and go to the escrow shortage screen and that I would need to pay {$8200.00} to get my payment back to the {$5000.00}. I paid the amount {$8200.00} which was the default amount showing. However, now my payment is {$5500.00} and the XXXX XXXX said I needed to pay $ XXXX back to get my payment back to the {$5000.00} ; that I still needed to pay another $ XXXX. I wanted to know why I had to pay back $ XXXX when they only refunded $ XXXX. SLS CSR kept saying they had mailed information on the $ XXXX to date I have not received any documentation referencing $ XXXX escrow shortage. I want my payment to the original amount {$5000.00} and I do not want SLS processing anymore Escrow analysis when they admitted to making a mistake with the first escrow analysis they processed and refunding escrow money.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from SYNCB, XXXX XXXX XXXX XXXX, reported in XX/XX/2020. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/year>, XXXX XXXX, Senior Counsel for XXXX XXXX XXXX XXXX XXXX had XXXX XXXX updat the bureaus to remove all negative information and it was to be update as of XX/XX/year>. I previously filed a CFPB complaint under number XXXX. 60 days is unacceptable, I need this updated today. I have lost too much already and I need to know if I need to consider other actions because I have lost two homes already.
Consumer complaint received 2024-09-11
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. (VA)

In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued Stipulated Order for Permanent Injunction and Monetary Judgement 2:19-CV-00713-DAK-DAO, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching Program or any Business Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with JP Morgan Chase Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score. 

I request XXXX XXXX  XXXX dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

JP Morgan Chase Bank previously made the statements in their initial responses that " You received benefit from this transaction " which is a false statement. I never received any benefits from the " Educational Services '' charges in any form. The company XXXX XXXX was shut down by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX XXXX XXXX I received a settlement check for approximately {$4500.00} which is nowhere near the amount I was charged. I'm requesting JP Morgan Chase Bank to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the change to every credit reporting agency.
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

On XXXX XXXX a payment of {$XXXX} was made to MOHELA through my XXXX pay at XXXX XXXX. This payment was not applied to my student loan. Dialog and communication with XXXX XXXX indicated that the money was sent to and received by MOHELA. That fund was never returned to my account and MOHELA has my account in past due. I uploaded communication from XXXX XXXX  to say MOHELA had received the payment. Repeated and numerous calls with extremely long wait times are proving futile in resolving this issue. At times representatves answer the phone place you on hold and never return to conclude the conversation. I am requesting that thorough investigation be doe in regards to the missing funds which was never applied to the account nor returned to my bank account.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (CA)

company is attempting to collect a debt that is not owe, I closed my account with XXXX XXXX of XXXX I paid out my last bill of XXXX $ with no balanced in order to port my phone number to a new company. the bill had to be paid in full of a balance. now debt collects have been attempting to collect and reporting false information to credit bureaus. i have reached out to XXXX and they are unable to help I have attempted to try and resolve this problem with debt collect but unable. attached below are copy 's that show my last bill and that account was closed and dated XXXX of XXXX also attached is a collection notice with false information to collect. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.