davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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. (FL)

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Consumer complaint received 2021-10-27
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC (IL)

I had an existing account with XXXX XXXX XXXXXXXX and at the time i was doing XXXX XXXX through a site called XXXX. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But XXXX XXXX  XXXX closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer
Consumer complaint received 2024-08-19
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Our issue concerns a hail claim on XX/XX/XXXX. Our insurance company issued a check within about three weeks of a large hailstorm which did severe damage to our roof. Due to substantial damage, we arranged for a contractor to come and begin the work on XXXX-the very soonest we could get it scheduled. He performed the work and we endorsed and sent our insurance check to our mortgage company in the amount of {$45000.00}. Once they received the check, they advised us they needed some additional information regarding the repair and that once the repair was completed, we would be required to schedule an inspection with the mortgage company to ensure the work was done. The documents were signed and uploaded as soon as the work was completed - on XX/XX/XXXX and the inspection was scheduled on XXXX. Once the inspection was completed, we reached out the mortgage company, who advised us funds would be released in 5-7 business days. After no funds were released, we contacted the mortgage company who advised us that they needed the license or liability insurance from our contractor, which we sent to them on XX/XX/XXXX. Once they received this, they advised us that the 5-7 days starts over. After the 7 days, I called again, no funds released and I'm told my funds are still in process and that it would be another 3-5 days. I'm now at 11 days and no funds. The resolution team does not return my calls and I requested to speak with a manager and am told it takes 1-2 business days for a return call. Meanwhile, my contractor has not been paid as Loancare is holding 100 % of our funds in escrow. We have no idea at this point when they will release the funds but we have to pay our contractor or take out a loan to do so.
Consumer complaint received 2023-03-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. 1681 c-2 ), that XXXX, Transunion and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXXXXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I am writing to file a complaint regarding an unauthorized third-party collection appearing on my credit report. I have no record or knowledge of the debt that this third party claims I owe. The collection agency has not provided any verification or validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and assist in having this illegal collection removed from my credit report. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2020-07-07
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. (NY)

The Credit Bureau previously deleted an account from my report in accordance with the Fair credit reporting Act-. The account was reinserted on my report without any notice or reasons from my dispute. 

PREVIOUSLY DELETED - XXXX XXXX XXXX - ACCT + XXXX - Credit report # XXXX REINSERTED as XXXX. XXXX XXXX -Original creditor- XXXX XXXX - on XXXX XXXX - Account # XXXX
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Original contract terms established and signed on XX/XX/XXXX for a total finance amount of {$25000.00} with {$5000.00} rebate. Dealership representative told me that a cash down payment of {$1500.00} would be mandatory for the completion of the deal. I was also informed that I would I have to acquire my own insurance for the car before I could drive off the lot although I was charged {$2300.00} for XXXX XXXX XXXX XXXX insurance for the car. 

On XX/XX/XXXX, the car was repossessed from in front of my private residence with all my belongings in it by a third party totaling a loss of - {$1400.00} in personal possessions after Capital One illegally shared my information without my permission or written consent. 

At the time the car was sold on XX/XX/XXXX for {$13000.00} the loan amount was {$26000.00}. I was informed of this through a " Explanation of Calculation of Deficiency '' letter from Capital One dated XX/XX/XXXX stating that I still owed {$11000.00} after the sell of the car. At the time the car was sold, I had made payments totaling {$7700.00}. 

Over the past the couple of years, I have been harassed by third parties who were illegally given my information by Capital One, which is a violation of my rights. Some of those companies are XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

After being denied a loan due to the repossession earlier this year, I looked at my credit report and found that Capital One had allegedly charged off the full amount of the loan for {$25000.00} on or around XX/XX/XXXX according to XXXX, which is the total amount financed. Not accounting for any payments/interest payment made to them. 

I have contacted Capital One to help me resolve this issue and stop the harm being done towards me and my personal credit report. I do not understand how they have charged off the total amount of the loan but still reporting that I owe them {$9100.00}. 

In XXXX I sent a letter to rescind my contract, they informed me that I still owed the amount and everything was appropriate with my account but did not answer my question or assist in resolving the issue. 

In XXXX, I sent a letter requesting a 1099-C for the year of XXXX showing the discharge of debt because I have not received one for tax purposes. 

I believe is a violation of 15 U.S.Code Sec. 1605 ( a ) ( b ) ( d ) ( e ) ], 15 U.S.Code 1635, 12 CFR 1026.3 and my right to privacy and identity securement.
Consumer complaint received 2024-10-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLSTATE LENDING GROUP, INC (IL)

I've been with Allstate for over a yr.I paid every premium month after month, {$280.00}, Now it's time to renew the insurance ( XXXX ) I never said I will renew with them, On XXXX I gotten a XXXX car, I continue with allstate, Now they are saying I owe XXXX, How? They want {$660.00} every month I called them and asked them what's going on, They are not telling me WHY! And they wanted it XXXX, How do I owe them anything, I'm with XXXX now, They are cheaper, {$330.00} a month, I had a XXXX, I had XXXX not my fault, I paid both deductibles and repairs, And car rental If I owe them {$3900.00}, U are telling me now after all these months, It's not fair, We could have resolved this months ago if I owe this, First payment on XXXX. {$940.00}, The next months $ XXXX 6mths, Not right, Can't afford this, So I went with XXXX insurance XXXX Please help me with this!!!
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

We recently changed our home insurance from XXXX XXXX to XXXX. Our mortgage holder Bank of America, mistakenly informed us that we had no home insurance and they said they purchased home insurance for us and tried to charge us {$310.00} a month for it. We went on the phone several times with service representatives who assured us that the problem was fixed, but the bank kept sending us bills with the escrow charge for the insurance that we had not asked for and did not need. My last call was in XXXX with a woman named XXXX. She told me that she had found the problem, had fixed it and that she would have the bank do a new escrow analysis to take the charge off our bill. She even gave me a case number : XXXX. The bank sent us the paperwork that the problem had been fixed. But we recently received a new bill with the insurance charge on it again. At this point I do not believe that the bank is making a mistake. I suspect that this is a business strategy to wear down consumers and force them to make payments for insurance that they do not need. I would urge the CFPB to investigate Bank of America to see if they are doing this to a lot of homeowners. I should not have to hire an attorney to fix this but I am getting ready to do so because I do not trust that the service representatives who answer the phone and claim to " fix '' the problem are really doing so.
Consumer complaint received 2020-07-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American male I've been a victim of this kind of discrimination for years and I need answers.
Consumer complaint received 2024-10-24
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. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}
Consumer complaint received 2024-10-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP (OR)

I applied for a loan in XXXX and was set up with a HELOC, they called me in for questioning for what my first loan was and told me it was an illegal loan and set me up with another illegal HELOC loan and never told me my payments would double, I would have never agreed to that. Now my payments doubled and I can not pay the loan. I went from a {$1600.00} payment to {$3300.00} payment when I have been on a fixed income the entire time. My income has never changed. I feel like I was set up to fail. Now they tell me I can not refinance because of the terms of the loan. I feel like I have been taken advantage of. I was able to handle the {$1600.00} payments and still be able to maintain the land. I have been forced to pay about $ XXXX in interest because I could not refinance the loan.
Consumer complaint received 2022-07-04
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. (IA)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have 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 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (OK)

I am writing in regards to our mortgage company reporting late payments while in Forbearance. We entered Forbearance in XX/XX/XXXX after my husband lost his job in XXXX to COVID restrictions, the company went out of business. We began making our payments in XXXX and asked to end our forbearance. We agreed from the start to roll our missed payments to the end of our note, per the rules stated in the CARES Act. I called & spoke with our mortgage company at least every 7 to 10 days to see when our paperwork would go through ; each time the recording or team member would tell me that our home was protected by the CARES Act : it would not be reported to our credit, our home was protected from foreclosure and that you do not have to make a house payment while in forbearance. 
I received paperwork at the beginning of XXXX and much to my surprise it was for refinancing our home for 30 years at a wonderful interest rate. I called and spoke to a team member and explained that we were not interested in a 30 yr. mortgage and that we wanted what we agreed upon to begin with back in XXXX. She stated that the refinance was implemented in the CARES program to lower monthly payments and that she would put in the request to roll our payments to the end but it would be another 3 to 4 weeks until I should expect them in the mail. 
We began looking for refinancing on our home for a 10-year fixed rate because the interest rates had dropped so low. We had a credit score of 750s or so I thought, I checked our scores and they were XXXX & XXXX, I was told that until our forbearance ended that they could not begin refinancing paperwork ( CARES Act rules ) and that our credit had to be a XXXX or above and that the interest rate was higher with scores this low. 
I received our house paperwork and had to have it signed, notarized & postmarked by XX/XX/XXXX. It was done and completed. So my problem is my credit is ruined because my mortgage holder did not follow the guidelines and we have lost out on a chance to save thousands of dollars in interest on our home/farm. 
I have filed a dispute with XXXX, XXXX and XXXX on this matter and also wrote to the mortgage company about this matter.
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/20 when I checked my Bank of America account balance online, I found a withdrawal of {$5500.00} and a {$36.00} fee. I immediately contacted the bank and filed a fraud claim. On XX/XX/20 I received a response from the bank denying my fraud claim. The reason was that 'the account owners identification was used to negotiate the check. The bank was not notified that your identification was lost or stolen. ' I called the fraud department at bank of America to find out more. They claim that somebody walked into a branch and showed them a driver 's license that was accepted by the teller to deposit fraudulent checks and withdraw all the cash, {$4900.00}. I told them that my ID was not lost or stolen and that they gave the money from my account to somebody impersonating me. 

They refused to tell me what branch of the bank was used, only that it was XXXX from my house, nor did they tell me the time of the day it happened. They refused to show me footage from the security camera without a subpoena. They refused to tell if they made a copy of the ID that was presented. They are refusing to review their security video that would prove that it was not me. They are refusing to reopen the claim. 

I did file a police report.
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX  XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.