davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, since you don't have enough choices in this website, I had to pick the closest. I will like to know if something can be change on the Hard Inquiries and how they are handled. On XX/XX/XXXX I received an offer for a personal loan, I was waiting to hear more about the offer after I went to the website and input my info, instead they checked my credit report and I lost points out of EXCELLENT credit because of this inquiry that I DID NOT accept their offer. My problem and question is : Why do inquiries have to hit your credit report in a derogatory way? they are just " inquiries '' you are not acquiring a new debt every time somebody or yourself check your credit score! That should not be legal because it harms the people with good credit for no reason. I understand if you acquired another bill based on the inquiry, I understand that, but if you don't that should not go against you! XXXX XXXX XXXX offered me a loan to pay of the big loan I have, at a lower interest but the terms were not to my liking, now I'm stock with the " hard inquiry '' and 3 points less in my score. Now days EVERYBODY is sending you offers for credit cards, loans, etc. so how are you to shop around if every time somebody checks your score to see what they can actually offer you based on your score you get punished? I do not think is fair and I do not agree with it. Somebody should review the way credit score companies handle the life-hood of the consumers that try to do the right thing and those that have no other choice but to shop around. I want all hard inquires deleted because there is another part that says if you have or not acquired a responsibility with those vendors. Thank you.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : 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 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (NY)

Hello, Sorry if this is the wrong section. I've been trying to get my refund back from XXXX XXXX XXXXWestlake Financial Company for about four months now and feel like neither side is really trying to help me, and just hoping I let it go. 

I received an extended warranty from Westlake Financial Group/XXXX XXXX  with purchase of a Used Car. The car got in an accident, was determined totaled, and was covered partially by my Insurance Company. After that, I realized I had the extended warranty on a car I no longer had, so I attempted to  get a refund from Westlake. I spoke to them and they explained they could give me a pro-rated refund, part of it being covered by Westlake and part of it being covered by the dealership ( XXXX XXXX ) Westlake financials processed my refund without any issue, however I've been having trouble trying to get the dealership to honor their side of the refund. According to the dealership, they had sent a check to westlake financial group and at this point have done what they need to do. According to westlake, I've heard two different things that happened ( from different people, so I'm not sure which is true ). One person said that the refund was sent, but because the person handling my account no longer worked for the company, the refund was never processed. Another person said that when the refund was sent, the dealership had insufficient funds in their account, so it was never processed. I'm not sure which is true, and my attempts to put together a call between myself, Westlake, and XXXX XXXX have been unsuccessful. Westlake has said they'd call me back on numerous occasions and they haven't and the dealership has told me to get Westlake on the phone and to call him and we'll figure it out, otherwise he's not really listening to me. At this point I'm tired of calling Westlake and getting false hope, and I'm tired of calling the dealership and being spoken over.

Additionally, I've sent Westlake financial multiple emails about this issue, some which don't get responded to and others which don't really address my specific situations. I recently tried to call Westlake today, but my call didn't go through.

Per an email with Westlake on XX/XX/XXXX, here are the warranty amounts : Your warranty refund amount due is {$970.00}. ( WFS portion XXXX was already subtracted towards your principle last XX/XX/XXXX ). Were still waiting for the Dealer Portion {$600.00}.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (CA)

YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I have been a Wells Fargo customer for 15 years. I have 44 business accounts and a personal account with them. I also have two XXXX lines of credit and 3 credit cards. I also have my home mortgage with them. Out of the blue today I had an XXXX call and say that they wouldnt cash a check. I called the bank only to be told that every single one of my accounts was being closed due to a business decision by the Loss Prevention team.

I called the Loss Prevention team and they have no answers. I spoke to four different supervisors and they all say thats its outside their control and that I did nothing wrong but that they are making a business decision to close my accounts. I have multiple partners in these companies and decades of automation work put into these accounts. I XXXX almost 2k people. They immediately shut down my lines of credit and credits cards. They tell me I have until XX/XX/XXXX to move every single account. 

Im totally dumbfounded and have no idea how something like this could happen. The amount of work that it is going to take to change all my banking is staggering and it would be a miracle if my team and I can accomplish this by the date they gave me. 

I feel violated and feel like Im being treated like a criminal for being an XXXX. If I had some sort of answers I could walk away and move to another bank but to just randomly do this after 15 years of business with them is shocking. Any suggestions would be greatly appreciated.
Consumer complaint received 2023-09-15
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)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX  XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.
Consumer complaint received 2019-02-13
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)

I opened a bank account with XXXX XXXX XXXX XXXX, who made an inquiry to Experian. Even though I only opened a bank account, and I did not apply for any type of credit, the inquiry was reported to Experian as " credit granting ''. This has caused the inquiry to appear on my credit report as a " hard inquiry ''. The description on the credit report is incorrect. I attempted to dispute the characterization of the inquiry with Experian, but I was told that inquiries could not be disputed. This is a violation of section 611 of the FCRA, which indicates that " any item '' can be disputed.
Consumer complaint received 2023-09-15
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. (OR)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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 2019-06-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cascade Mortgage, Inc. (AZ)

I have been making payments on time one payment I made the day of the last payment date that I could make it before it was more then 30 days past due. The company posted the payment late even thought I made the payment before the cut of time and day. I called the company and they were rude and did not want to help me.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (FL)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IN)

I have been writing to Discover about their fraudulent credit reporting on my for more than a year, and have gotten nothing but Fair Debt Collection Practices Act and Fair Credit Reporting Act violations from them in return. First, Discover continues to report fraudulent charges on my credit report. Second, at the same time as this fraudulent reporting on my credit, Discover sent the IRS a notice of " debt forgiveness '' and a 1099, both of which are clearly sanctionable FDCPA violations. A debt can not be " forgiven '' and simultaneously contrarily reported on credit ; and this debt was not forgiven, it was proven not to belong to me in any way and barred by limitations.

Third, as the attachments will show the vast majority of the allegedly owed {$15000.00} was accrued more than 7 years ago, and thus must come off of my credit entirely regardless of any dispute. Fourth, as the attachments show, the last usage of the card in question was XXXX, yet Discover Card is pretending that the last usage of this fraudulent card was XXXX or some later date when they finally got around to cancelling the fraudulent card. Discover must legally reveal the proper date of removal of all references to this card on my credit ... and that date must as a matter of be in XXXX. Discover refused to reveal this date in writing. And, fifth and finally, the charges from XXXX are revealing in that they are all from states all over America, where I've never lived nor in some cases ever even been ( please see attachments ).
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XXXX of XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

On XX/XX/2019 Capital One XXXX closed my account for fraud even though there was no fraud. They failed to call me. They emailed me and its instructed to call, not email me. They are refusing reopen the account.
Consumer complaint received 2022-08-30
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. (NV)

I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take 30 days it was less than 10 days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts
Consumer complaint received 2019-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

When moving from XXXX to XXXX XXXX, XXXX XXXX XXXX did not follow a binding estimate and charged me an additional {$1200.00} after the truck was loaded. Because I felt in fear for my safety and the safety of my belongings ( the company had threatened to dump everything I owned out on the front lawn of my apartment complex or drive away with my things, never to be seen again ), I paid this extortion money with my Capital One credit card. 

I disputed the transaction with Capital One. XXXX XXXX XXXX provided the credit card authorization form I signed under duress and asked for the charge to be reapplied. I countered with multiple forms of documentation that what XXXX XXXX XXXX did was illegal, including where in the Code of Federal Regulations it says this. I also included a written statement from my mother that was there at the time I was extorted. Throughout my many calls and letters with Capital One, they routinely asked for a second opinion from another moving company showing that what they did was illegal. I uploaded more documentation on XX/XX/XXXX that stated I had contacted 10 different moving companies ( and provided their names and phone numbers ) and every single one said this was illegal and they wouldn't provide a second opinion letter. I filed a complaint with the New Jersey Attorney General 's Office of Consumer Affairs who forwarded my complaint to the Federal Motor Carrier Safety Administration who had jurisdiction and started investigating the extortion. 

Sometimes during my phone calls with Capital One, they said that they believed my case and that it was Visa that made the final decision. Each time I called Visa they said it was Capital One 's decision. Finally, on XX/XX/XXXX, a three-way call between Visa and Capital One had Capital One admit that it was them that made the final decision. Additionally, I was told that the reason they were closing my dispute case and reapplying the charge was because I had signed the credit card authorization form from XXXX XXXX XXXX agreeing to the additional charge. I countered that I did that only under extreme duress and that since what XXXX did was extortion, I should not have to pay.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CT)

I have a mortgage with Fifth Third Bank. I have paid my mortgage payment every month through my checking account automatic payment system. For the XXXX 2016 payment, my bank sent the usual amount of {$3300.00} to Fifth Third on XXXX XXXX. On XXXX XXXX, I received a letter from Fifth Third indicating that they can not apply the amount because the monthly payment should have been {$3400.00}. Apparently, the amount increased due to a change in escrow requirements,. I immediately sent Fifth Third another payment of {$72.00} through my bank and called Fifth Third to advise them. I was told that neither the original {$3300.00} nor the {$72.00} could be applied and that I need to send another single payment for the full {$3400.00}. If Fifth Third did not receive this by XXXX, I would be assessed a late charge. I then went on the Fifth Third website and sent the full payment and called Fifth Third back to request a refund of the {$3300.00}. I was told that this amount could not be refunded until the {$3400.00} was credited. I asked ( on XXXX separate calls ) that the {$3300.00} be returned to the bank from which it had been sent. I waited until XXXX to determine if the refund had occurred. I then called Fifth Third on XXXX and was told by the first representative that the payment had been sent back to me. I asked if it was sent electronically or by a check - she disconnected the call. I then called Fifth Third back and was told that there was no refund and that Fifth Third had applied this amount to principal. I again asked for it to be refunded and was told that a check needed to be ordered. I asked for interest on the payment since Fifth Third had wrongfully held on to my funds for 2 weeks and was told that they refused. As of now, Fifth Third has kept my funds, demanded that I make a second mortgage payment and refused to provide me with any assistance..
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I have been on the phone numerous times with Freedom Mortgage and their " insurance '' department regarding providing proof of my HOA 's master policy and my personal XXXX coverage to avoid or reverse their increased " escrow withholdings '' in my monthly payments. No resolution to date, and my payments have gone up from {$3400.00} in XXXX 2016 to {$3600.00} since XXXX 2016. Principal, interest, and PMI payments due to Freedom Mortgage should reported be at {$2900.00}, so they are negatively impacting my credit reports.