davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I contacted CFPB in XX/XX/XXXX to report a problem with an escrow account that my mortgage lender created in error last year. The complaint number is # XXXX. 

That complaint was resolved by XX/XX/XXXX, when my mortgage lender closed the escrow account and reversed the payments that it had improperly debited from my mortgage payments to credit to the invalid escrow account. 

I recently received my form 1098 Mortgage Interest Statement for the XXXX tax year from my mortgage lender. On previous statements from previous tax years, Box 10 has been empty. On the statement for the XXXX tax year, Box 10 contains an amount -- {$810.00}. This amount is the same figure that factored into the escrow error that my lender made last year. 

I contacted my lender twice today ( XX/XX/XXXX ) and spoke to two separate customer service representatives to discuss the amount listed in Box 10 of the document, and to request a corrected XXXX Mortgage Interest Statement if the {$810.00} negatively impacts my tax filing. Neither representative seemed to fully understand the potential problems that this {$810.00} figure can cause and both stated that issuance of a corrected 1098 Mortgage Statements is not possible. Yet, the document itself clearly contains a box that the lender is required to check if a corrected document is issued and there is also verbiage on the back of the document informing the mortgagee how to proceed in the event that an error is identified. Neither representative knew how to assist me. 

My tax preparer stated that the {$810.00} figure that currently appears in Box 10 will reduce any tax refund that I may receive unless the XXXX statement is corrected. She also stated that this information on the form has been reported to IRS, so it must be corrected by the lender if it is incorrect. The escrow account was created by the lender in error, so the lender is obligated to correct its error, so that I am not further impacted or penalized by IRS.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX is reporting an acct as delinquent on my credit file, however this acct w/secured by a vehicle which I voluntarily surrendered. 

The acct w/secured by a XXXX XXXX XXXX. I contacted XXXX XXXX on XXXX XXXX via email and advised that the vehicle could be retrieved from XXXX XXXX which has a mechanic lien on vehicle. XXXX XXXX did not follow procedures in retrieving the vehicle and has also sent account to another outside collector. 

Per SC Lemon Law I am requesting that this debt is cancelled and removed from my credit file. 

Please ensure that this amount is updated/removed as it is negatively impacting my credit score.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2022 I was rebilled for one of the two disputed transactions from a merchant. I was charged 3 times by this merchant when I only had a receipt for 1 charge/estimate. I provided this information to the card company and felt like this was a straightforward case. Not at any time have they asked me for any documents or correspondence. The merchant also stated to the better business bureau that they agreed to refund the charges and they were done by mistake. 

A complaint was opened with barclay 's and instead of resolving the complaint, they rebilled this charge even though they sent me a letter stating I was not responsible for the charges unless the merchant told them otherwise. To date, the merchant has not falsely claimed that I owed more than the XXXX that I have a receipt for.
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Good day, On XX/XX/2022, I attempted to transfer {$170.00} from my debit card to the debit card of a family member by using Moneygram 's online service. Usually, it takes a 30-minute to an hour window for the party to receive the money. However, this specific transaction has been stuck saying, " your deposit is on its way. '' When I contacted Moneygram on XX/XX/2022, to inquire about the status of my transaction and why it was taking so long, no reason was given to me except that the representative who claimed to be a supervisor would create a ticket. However, she said the ticket could take up to 90 days to be resolved, and I could no longer get a refund or cancel the transaction. As I am writing this message, my transaction is still pending. 

Thank you for your assistance.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXXXXXX XXXX  issued 1099-C in 2018, Experian previously updated balance to zero, account is currently reporting balance and 1099-C has been sent to Experian several times.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have contact XXXX and transunion regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (TX)

On XX/XX/ I woke up to {$110.00} missing from my Cash App account. There were no current transactions for this amount. I contacted CashApp to ask where my money went and informed them this is the same exact thing thats happened to me before. They said it was for a XXXX transaction XX/XX/ for {$44.00}, a XXXX order {$43.00} on XX/XX/ and a XXXXXXXX XXXX order for {$25.00} on XX/XX/. They are claiming the transactions in XXXX and XXXX were not completed and the money was never take from my account. However, the money was taken from my account. I also made multiple other transactions around that time. The rep I spoke to said that Cash App was dealing with a clerical error in XXXX and XXXX that they notified NOBODY about. Stating the funds were put back into peoples accounts. I informed the rep that none of these funds were returned to me and was deducted at the time of transaction. I also explained that as a company that big, why was none of the consumers informed about this. Because here it is XXXX and money is just magically disappearing from my account. No explanation or anything. How do I know about the clerical error. I dont know whether thats factual or not. And even then, we should have been notified so we could pay attention to funds being taken out of our accounts. The money being taken doesnt show up in our recent transactions. It just disappeared. I took a screenshot showing my transactions were completed at the time of purchase and requested a statement showing these funds being put back into my account. I also asked to speak to a supervisor. I was hung up on, I spoke to two other reps that claimed I can not speak to a manager or supervisor. At this point, I dont trust Cash App and I believe they are stealing peoples money. They cant provide any proof of the funds being sent back to our accounts, they cant issue any proof of a clerical error. Nothing. Just money being taken. Why is money being taken in XXXX for something I had no knowledge about and never got funds back for?!
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (MA)

BMW Financial Services switched my lease to e-statements without my consent or knowledge of this action. Furthermore, the email address used by BMW Financial Services was an inactive old email and the e-statement was undeliverable. I relied on the paper statement to make my scheduled payments. After months of unknowingly non-payment, BMW Financial Services repossessed my vehicle. Upon learning of this action, I immediately made the delinquent payments and recovered my vehicle. 
BMW Financial Services admitted they switched my account to e-statements. I did receive a call from an individual stating he was from BMW a couple months prior to this event. This individual asked me to provide my social security number over the phone which I declined to provide thinking this was a fraudulent call. I have been a victim of IRS fraud in the past. Therefore, I did not provide my personal information over the phone and thus the individual would not relay to me the purpose of the call. No further written attempts were made by BMW to contact me at my home. 
BMW Financial Services were in error when they switched my account to e-statement without my knowledge or consent, resulting in adverse harm to my credit, which I am demanding is corrected.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on XXXX reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on XXXX reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Sent money on XX/XX/XXXX to an employee through XXXX by way of Zelle. The phone number entered belongs to said employee however {$1200.00} was deposited into an unknown person 's account. The unknown person does not own the phone number in question and the employee who was to receive the monies registered the phone number with her bank. Contacted XXXX who said Zelle sent to right number there is nothing they can do and gave me number to contact Zelle. Zelle says can not file claim with them, must contact bank. Called XXXX back, they reiterated it is a Zelle issue they can not help further.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, equifax, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX equifax and XXXX.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes experian, XXXX, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to Experian XXXX and XXXX.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX, # XXXX XXXX XXXXXXXX Account # XXXX 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2020 I received notifications from several credit monitoring services that my credit report had been accessed. Someone had tried to open a Bass Pro Shop credit card through Capital One. I immediately called Capital One and let them know this was a fraudulent inquiry and I completed the steps they advised me of in order to have the fraudulent inquiry removed. When reviewing my credit report yesterday I noticed that the the hard inquiry was still reporting to my XXXX report. I called Capital One again and I was advised by the lady that answered that there wasn't anything they could do, that I would have to dispute the account directly through the credit bureau. I advised that I had already informed Capital One the inquiry was fraudulent approximately 18 months previously and they were the ones who needed to fix the mistake.
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, 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 2022-04-21
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 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 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

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

According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : XXXX XXXX XXXX AV XXXX XXXX, AR XXXX XXXX XXXX XXXX AV XXXX XXXX, AK XXXX
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX Account # XXXX 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
U S BANKRUPTCY COURT - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

Account number XXXX. My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX. IL XXXX.This company sent this account twiceto my credit report. Its a duplicate accountI have already told them I did not open these accounts. The statue of limitations already ran out and they reported the same account so it can stay in my credit report. I know this is illegal to do. I have request numerous of times to delete this account from all my credit reports. I am requesting for this company to delete this account