davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have Escrow ( impound ) account with this Lender to pay Property Tax and Insurance. But, I have paid the property tax directly to the county and requested Escrow Service not to send the Property Tax payment to County and rather issue a refund to me from the Escrow Account. They have received my email and acknowledged stating, they will refund this amount on XX/XX/2022. They have not issued a payment till date ( XX/XX/2022 ) and now they are saying they received Refund from County, but they need to do escrow analysis before issuing a refund. This is not acceptable. 

Document attached : Initial email communication regarding Escrow, Final letter from lender.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

I closed on my mortgage with XXXX XXXX  on XX/XX/2022. I paid {$2100.00} into my escrow account at closing. I made my first mortgage payment to XXXX XXXX  on XX/XX/2022 which included my {$470.00} escrow payment. XXXX XXXX  subsequently sold my Mortgage to BSI Financial. XXXX has told me they sent my {$2600.00} escrow balance to BSI Financial effective XX/XX/2022. BSI Financial has told me they only received {$2100.00} for my escrow account and refused to look into my missing {$470.00}. They told me to contact XXXX and provided no assistance. XXXX said they would investigate the issue, but I believe it should be on the loan servicer to make sure the loan is being serviced properly and to investigate issues I bring up to them.
Consumer complaint received 2022-12-01
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: WELLS FARGO & COMPANY (FL)

I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-07-15
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)

In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & XXXX Account # 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 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 2022-12-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp. (MA)

On XX/XX/2022, I made an international transfer ( {$91.00} ) to someone in XXXX XXXX using WorldRemit. When the processing took awhile to go through, I made the same transfer again ( {$91.00} ). After awhile, I canceled both transactions since the recipient had not received the money and I found an alternative route for sending the money. I then requested for a refund for both transfers. I have not received the refunds back although WorldRemit receipts show that I cancelled and would receive refund within 7 days. I have tried numerous times to contact WorldRemit but their direct number does not work, and they don't have any email address on file.
Consumer complaint received 2022-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Purchased a used car from XXXX XXXX in XX/XX/XXXX, refinanced loan in XX/XX/XXXX with new refinance company. Sold used car in XX/XX/XXXX. 


XX/XX/XXXX, contacted warranty service company to cancel contract XX/XX/XXXX : XXXX XXXX XXXX explained check would be sent to dealership XX/XX/XXXX : filed for a warranty service contract refund with dealership XX/XX/XXXX : contacted sales agent, they said it is in process XX/XX/XXXX : contacted sales agent, said they would get back to me XX/XX/XXXX : left voicemail to finance manager- never contacted me back XX/XX/XXXX : called finance manager again. No reply XX/XX/XXXX : reached out to sales agent again, said they would get back to me XX/XX/XXXX : sales agent explained check was sent to new refinancing company XX/XX/XXXX : contacted new refinancing company and they have no record of any check being recieved
Consumer complaint received 2022-11-11
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)

My name is XXXX XXXX XXXX and Equifax has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Equifax is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 
Complaint # : XXXX The CFPB sent this complaint to Equifax : Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint.

According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer This was Equifax response : Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information. 

Equifax could not have done a proper investigation or re-investigation because my NAME is spelled wrong. After their first, second, & third investigation my name is still wrong. Information on my credit report is still INACCURATE. Equifax is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.
Consumer complaint received 2022-11-11
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (CA)

I sent a letter on XX/XX/22 to Experian and XXXX to remove the erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are XXXXequired to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it againXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-11
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. (CA)

In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 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 conviction of crimes which antedates the report by more than 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was openedXXXX XXXX XXXX XXXX XXXX XXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXX  XXXX contacted me we determined I wasn't the person tht opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account XXXX XXXX XXXX XXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the XXXX  company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC (TN)

On XXXX XXXX, 2023 a loan was applied for in the amount of {$35000.00} to Best Egg using my identity. My name and address was used but the email address that Best Egg showed was not mine. The loan was denied due to to many inquiries. Nothing wrong with my credit report rating. 

The email used for loan application was XXXX and phone # used was XXXX which was my old number from years ago. 

I am sending you a copy of the letter I received from Best Egg and Thank you, XXXX XXXX
Consumer complaint received 2022-11-11
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. (CA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank replaced my Amazon secured account with a store card on XX/XX/XXXX hours after I replenished my {$150.00} deposit. My access to that deposit was immediately restricted because the agreement was my deposit was to be refunded. When I first spoke to Customer service about my refund, I was assured a paper check was sent out on XX/XX/XXXX and should arrive within 15 days of that date. The check did not arrive. I called again on XX/XX/XXXX and spoke to XXXX as well as her supervisor requesting an electronic transfer. All of my payments had been made electronically. I was advised that this bank had no capacity to make an electronic transfer to me. After holding for more than 30 minutes for a manager I gave up. On a subsequent call connected via Amazon Customer Service, I was advised another paper check had been issued on XX/XX/XXXX and should arrive by XXXX. It has not.
Consumer complaint received 2022-12-01
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. (FL)

XXXX have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.
Consumer complaint received 2022-07-15
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. (FL)

On XX/XX/XXXX of 2021, I called TransUnion because I had some fraudulent inquiries and they told me I had to file a police report or an FTC report.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing about an unfair, deceptive and abusive practice related to identical savings products offered by Capital One. Capital One is paying a material interest rate difference between their 360 XXXX XXXX account and their 360 XXXX account. The XXXX account is currently paying 1.75 % and the 360 XXXX account is paying .8 %. My wife and I have been Capital One savings customers for many years and trusted them to treat us fairly. Imagine my surprise after learning about the XXXX XXXX account paying XXXX basis points more than our 360 XXXX account. The accounts have the same requirements, features and functions. 

Clearly someone made a marketing/product decision to create a discriminatory process that rewarded new accounts and left existing, long term loyal customers with a much lower rate unless they searched out and found the new 360 XXXX product paying a much higher rate. I discovered the new product has been offered since XX/XX/2019. This new product was not marketed to existing customers as a product that would be paying a much higher rate than the 360 XXXX  account. If it had been I would have converted our accounts 3 years ago. This is an unfair, deceptive and abusive practice targeted against Capital One customers. If you checked demographics of the customer base in the two products I suspect you would find an older demographic in the lower interest rate product creating an elder abuse type situation. 

Upon learning about this situation I contacted the help center and they explained that I needed to open new accounts and transfer my balances in order to earn the higher rate. My concern was with the 3 years of lower interest rate that we had been getting paid on approximately {$800000.00} in balances. I escalated the issue to Executive management XXXX XXXX, XXXX, and XXXX XXXX, Marketing to no avail. My request of their executive complaint assistant was to perform a 3 year look back and make a credit to our accounts for the interest rate differential. They were not willing to do any research on the accounts to calculate the interest rate differences but given the current XXXX basis point difference I suspect it cost my wife and I tens of thousands of dollars in foregone interest while Capital One was unjustly enriched. We have moved the majority of our balances from Capital One as we have lost our trust in their management to act fairly and equitably with all customers. 

This is a systemic issue for all Capital One 360 XXXX  customers. The CFPB should perform a full review of this situation given the negative impact to consumers and the unjust enrichment of Capital One. I will also be sharing this complaint with the OCC, Federal Reserve, the Senate Banking Committee and House Banking Committee.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NM)

I received a letter from Linebarger, Goggan, Blair & Sampson located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, alleging that I owed the State of Delaware {$270.00} for " unpaid tolls and fees. '' They had my vehicle license plate number, New Mexico XXXX XXXX. So, supposedly I had driven my car through a Delaware highway collection point and not paid. The State of Delaware has not been in touch with me asking for payment. 
I checked online and found several complaints about this company, so I decided to contact the cfpb. I am happy to pay any legitimate fees I owe the State of Delaware, but I certainly do not owe them {$270.00}. And I do not want to line the pockets of a fraudulent law firm. 
Can you help me? 
Thank you! 

XXXX XXXX
Consumer complaint received 2022-11-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX XXXX XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.