davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (LA)

I applied for a mortgage refinance with Amerisave online a loan officer called several times stating he had me approved a we should move forward He sent me declarations to sign and I did online after submitting the documents he said my house needed to be appraised and it would be {$520.00} I told him I did not want to pay XXXX up front but he say he could get that waved or include it in the closing. After a week or so he contacted me again and said that I had to pay the {$520.00} up front so I forwarded the money to the loan officer Mr. XXXX XXXX and the house was appraised and he said now XXXX need to call my insurance company XXXX and have my policy changed to Amerisave and I did a now still have the document with Amerisave name as the lender.
Consumer complaint received 2021-05-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

The transaction was a refinance of an existing mortgage with the current mortgage provider. The refi featured a reduction of the interest rate from 3.25 to 2.75 percent. 

The initial offer was a " no cost '' out of pocket refi. The loan estimate included closing costs in the amount of about {$4000.00}. The estimate was agreed to by me via " docusign ''. 

The next step was the real offer which increased the closing costs to almost {$11000.00}. 

The lender wanted me to agree to 11 months of prepaid property taxes. What struck me as fraudulent was that my payoff ( principal ) increased by the same amount as the alleged " prepays ''. In my opinion, the prepaid amount should have been reflected in the escrow account, not the final payoff amount. 

When confronted, they said it was common practice. I refused to docu-sign these terms. My savings would have been less than {$40.00} a month, while my principle increased by almost {$11000.00}. And that doesn't include the interest owed. 

I have not changed my lender but I feel a true lack of trust after their bogus offer.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-19
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. (PA)

XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) Experian XXXX - 17 late payment reporting including 6 months of being reported as XXXX XXXX XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to Experian they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXXr XXXX  they are reporting XXXX To XXXX XXXX are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Consumer complaint received 2024-03-26
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. (PA)

XXXX XXXX XXXX [ Account number XXXX ] is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Furthermore, pursuant to the Fair Credit Reporting Act, furnished information CAN NOT be inaccurate or questionable AND the furnisher of the information MUST send a letter in writing that they are going to furnish negative information to consumer reporting agencies. I NEVER received such letter further violating federal law, to be more specific 15 U.S. Code 1681s-2 ( 7 ) ( A ). If this company believes otherwise then I demand they show proof with a certified green receipt bearing my signature was sent at least 5 days prior to the negative information being reported. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic financial information. Please see attached.
Consumer complaint received 2021-05-19
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Starting 90 days ago I reached out to Chexsystems to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in XXXX to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A that Chexsystems is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided XXXX with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A that Chexsystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by XXXX only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A Chexsystems is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Chexsystems stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful noncomplaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$3000.00}
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IA)

XXXX is reporting to Experian that I made 5 late payments XXXX XXXX XXXX XXXX XXXX ) in XXXX. I did not make ANY payments on XXXX XXXX XXXX or XXXX. I've disputed this INCORRECT information both with XXXX and Experian with the answer that " that's just how they entered a deferred if not contacted '' I was NEVER notified that I needed to contact XXXX and to this day I still have no ideas as to why I needed to contact them. But it does up on the 9 OPEN ACCOUNTS which should have been consolidated when XXXX bought it from old student loan company. I'm on my 5th different " student loan account owner '' my entire life is affected by this " credit report '' along with the discriminating in every possible way, " background report '' please help amend THIS credit report so I can get a better job and an actual home of my own
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I found out 8 unauthorized fraud transactions appeared on my credit card. I called customer service right away to stop and dispute the charges. 

On XX/XX/XXXX four charges were placed back by XXXX XXXX for {$1300.00} due to the unauthorized merchandise arriving at my house. The merchandise said they didnt receive any fraud information from the bank. I didnt have information to return the packages ( such as email order confirmation ) and online support did not help to give me return labels because it was past their 30-day return window.

I returned the 4 boxes unopened to the local store. They took and scanned all the items, giving me a refund of {$670.00} on XX/XX/XXXX. Due to seasonal pricing change, the difference of {$1300.00} - {$670.00} = {$710.00} should be returned. 

They has all the merchandise and hasnt lost anything. {$710.00} is still on my closed credit card statement. The merchandise said they can not do anything and that only Bank can return the money to me. 

The situation has gone on since XX/XX/XXXX and I handed in my appeal to the bank, they did not look at my case carefully, on and off several times, remains unresolved it. Bank should have protected my credit card information from being used. I am looking for the remaining charges removed. All the information above is true and statements of fact.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

XXXX rep id : XXXX @ Ally Financial, stated my XX/XX/2021 payment was considered negative and reported negative 30 days late to the credit bureau because Allys 3rd party payment vendor application system didnt post the payment til the following day being it missed the XXXX cut-off time. I asked XXXX if I may speak with her manager. She replied, the mgr was tied-up on the phone with other customers ... I replied, I will hold. The contractual agreement I signed with Alley for my auto loan states my payments are due on the XXXX of the month & reported negative/late the XXXX of the following month if XXXX more days past due. My pymt was accepted and processed via the lenders automated system on XX/XX/XXXX, exactly 30 days after XX/XX/XXXX. I called to confirm no late negative reporting had been reported to the credit reporting bureaus with my account ; however, was informed my payment was considered late because Allys 3rd party vendor XXXX XXXX XXXX  does not post pymts after XXXX, M-F. I have not received any written disclosures in regards to these changed terms and Allys billing system consistently updated with an incorrect mailing which explains why I never received notification via the postal mail of changing billing terms. This is wrong that Ally Financial practices illegal and predatory lending and gets away with destroying customers credit by reporting negative, erroneous, false account payment information. Allys 3rd party automated phone payment vendor system asks the account holder what date he/she would they like to process their pymt, I entered the XXXX, the same day as my call and the automated system accepted my pymt, then provided me the confirmation #. However upon speaking with a live person, XXXX, on the XXXX I was informed my payment was late & will be reported as late to the major reporting credit bureaus. This is concerning & saddening to say the least! It is absurd!!!! Please stop this raping of customers from Allys falsified, erroneous and negative credit & billing reporting actions!!!!!!
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX, XXXX, and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (OH)

I contacted SuperFleet card in regards to our account with XXXX XXXX XXXX  XXXX. We were charged a ridiculous amount in late fees on our account. The amount of the late fee was {$620.00} for one month. We mailed our payment in on time to the vendor but the mail took over two weeks to arrive and be processed by the facility. I asked for the amount to be credited since we are not responsible for slow mail service. The check was clearly postmarked and mailed before the due date. They hide this fee in a ridiculous location hoping the consumer wont see it. I pulled out other bills and saw where they charged me a late fee before. Just in this year alone the fees are {$1500.00}, with the {$620.00} included for three bills where the post office delivered and they processed the payment late. I tried to have them credit our account the full amount of the {$620.00} and they refused saying they would only credit half. This is beyond ridiculous. It is something out of our control and we should not be penalized for it. We spend $ 30,000+ per year with them on their gas card. We should not be charged a late fee when we sent our payment in on time. I would like them to credit our account and fix the issue. Because the fee was hidden deep inside the bill I don't think I would have continued to notice the fees if it had not been for the large jump in our bill so I was trying to see why there was such a large difference.
Consumer complaint received 2022-11-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CO)

The monthly statements have no information about the interest or interest rate you are paying each month and only show the amount you owe. I have looked extensively for the interest rate I am paying on their website as well and it can not find. Also the amount of interest paid each month is buried in the account history tab but no rate can be found. I tried to make an additional payment online and because I am set up on auto pay this is possible. I cancelled the autopay too try to resolve and still can not make an additional payment. When you request a payoff if give you the option to send by mail so maybe that is why you can not make a single additional payment from their site. You should be able to make a payment online as this is more mainstream plus there are mail deliver concerns. Requiring the mailing of a payment I feel is prohibited and seems like a way to keep you from paying off the loan so they can make more interest.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items That is inquiry was not authorized and in violation 15 U.S. Code 1681b Permissible purposes. Please DELETE as soon as possible.
Consumer complaint received 2023-08-09
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. (TX)

I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be deleted from my files.
Consumer complaint received 2023-08-09
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX and TransUnion are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.