davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

LoanDepot broke the law regarding releasing the escrow balance from my account after i paid the loan in full. 
The requirement is 20 days total, not 15 business days as stated by them. 
My mortgage was paid in full on XXXX XXXX, 2016. Today is the XXXX day, and i still did not receive the escrow funds. 

XXXX Timely escrow payments and treatment of escrow account balances. 
( a ) Timely escrow disbursements required. If the terms of a mortgage loan require the borrower to make payments to the servicer of the mortgage loan for deposit into an escrow account to pay taxes, insurance premiums, and other charges for the mortgaged property, the servicer shall make payments from the escrow account in a timely manner, that is, on or before the deadline to avoid a penalty, as governed by the requirements in XXXX ( XXXX ). 
( b ) Refund of escrow balance. ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

WHEN WE SETTLED OUR LAWSUIT XX/XX/XXXX, WE HESITANTLY OPENED AN ACCOUNT WITH PNC BANK- AFTER A TURBULENT AND VERY HURTFUL EXCHANGE. AFTER A FEW MONTHS OF BANKING, WE HAD AN ACCIDENTAL OVERDRAFT AND THE ACCOUNT WAS CLOSED PRIOR TO US BEING ABLE TO CORRECT IT. WE EXPERIENCED EXTREME XXXX WITH THE BRANCH MANAGER AT THE OPENING BANK- MAKING COMMENTS SUCH AS SHE WOULD MAKE IT HER BUSINESS TO NEVER ALLOW US TO HAVE THE OPPORTUNITY TO OPEN ANOTHER BANK ACCOUNT THROUGH PNC EVER AGAIN.
Consumer complaint received 2024-10-22
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was in a accident on XX/XX/XXXX. I had a loan financed though XXXX XXXX XXXX XXXX  which was declared a total loss by the insurance company. 

On XX/XX/XXXX I received a letter from XXXX XXXX ( attached ) stating that my account was paid in full. Today XX/XX/XXXX my credit dropped drastically because XXXX XXXX reported that I missed 9 months of payments from XX/XX/XXXX until XX/XX/XXXX. 

I have not had the vehicle since XXXX. I have not made a payment since the car was wrecked because I was informed by XXXX XXXX XXXX XXXX that I had a XXXX balance. I contacted the company and they are telling me that I have to pay them or they won't update me credit score. I never made a late payment during the life of the loan. In addition, XXXX XXXX gave me another car loan in XXXX. If I had a balance from XXXX  why did they extend me additional credit? 

In addition, I am the owner of three XXXX XXXX XXXX XXXX. I am also pre approved for another car loan through them. 

This company informed me in writing I did not owe them anything and my loan was satisfied. Now that I am in the process of purchasing a home they purposely dinged my credit without notice. I feel as though they are targeting me for money I do not owe.
Consumer complaint received 2015-05-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (MS)

My husband I bought a car with Drive Time about 4 years ago in an effort to build our credit back up and we have paid this car note in a timely manner. Now we are trying to buy a house but it appears that Drive Time is not reporting this to XXXX XXXX. When we checked 3 months ago it was not on any of the XXXX credit bureaus they said there was glitch in there system. They sent us a letter apologizing with a statement of our good standing. Now it is time to buy the house and they give us the run around. I have called XXXX XXXX and they state it is on their record but it still does not show on the print out. Drive time continues to say it will be down loaded with everybody 's. We do n't care about anybody else at this point they have had 5 months to get this straight. I want you to notify them and let them know this is illegal. I can fax you a copy of the paper work they sent me back in XX/XX/XXXX when the original " glitch '' started.
Consumer complaint received 2024-10-23
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. (CA)

On XX/XX/year> I received my consumer report and notice some unauthorized accounts reporting to my credit file. I have gone through ID theft for several years. This time my personal info was a part of a data breach with XXXX. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Accounts unauthorized : 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time.

Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (PA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TransUnion : [ XXXX XXXX XXXX ] [ XXXX ] TransUnion : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] TransUnion : [ XXXX  XXXX ] [ XXXX ] TransUnion : [ XXXX  XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation I am writing to you because this credit agency, I sent you a letter about the errors they had on my account and they have not deleted it since in one of them they are putting Charger off every month and that is illegal to do and in the others I have a late payment reported where I have never had a late payment. So please I want you to help me delete these accounts that are affecting my credit since I can not buy my house due to this problem. They responded to me with this letter and here I tell you the File number : XXXX
Consumer complaint received 2016-02-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

My first one was modified under the government program by XXXX in 2011. Immediately after that I filed a modification request with my then bank, PNC mortgage. PNC mortgage, instead of doing a loan modification under the government 's XXXX program, they just kept asking me for a lot of paperwork over and over again. After fulfilling all of their requirements and demands, they sent me a settlement offer asking me for a 25 % amount. I contacted them and told them that, that 's not what I asked for. I asked for a modification under the government program. after yelling at me for not taking the 25 % settlement offer, they finally asked me to re-file my paperwork for the government 's XXXX modification. The process started all over again. They requested all kind of paperwork. I fulfilled all of their demands. After waiting for a while ( 90 days ) they told me that the paperwork that I send them has no expired and I would need to file again. and I complied and do that again. This process repeated several times over the course of one and half year. after doing his own and over again, I received a letter that they have transferred servicing of my loan to another service. I tried very hard to work with them just as previously I had worked in XXXX XXXX and PNC mortgage bank. 

My loan is still owned by PNC bank. However after trying for so many years I have never gotten any review under the federal government 's XXXX program for home equity line of credit. Currently, XXXX of the collections agency, XXXX, is trying to foreclose on my home.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute a hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was unauthorized , and I request its removal.

Please remove this inquiry.
Consumer complaint received 2024-10-01
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. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I am not sure if this is the correct place to make this complaint or not, so please redirect me if it is not. Some months ago, I was sent via email and regular mail, an offer from Citicards that if I used CitiCards with XXXX that I would earn 10 times the XXXX XXXX XXXX miles that would normally be earned, up to a maximum of XXXX miles. I was an existing Citicard XXXX card member. 

The offer was good upon enrollment and ended XXXX/XXXX/2015. So I enrolled in XXXX and used the XXXX option. I checked my statements and noticed that there was no bonus miles being awarded for using the apple pay for eligible purchases. So I called the customer service for the card at Citibank on XXXX XXXX and the agent had to check what was going on. He came back on line and said the program was never initiated because of a disagreement between XXXX and XXXX XXXX. He apologized that customers who enrolled were not notified and offered me XXXX free miles for my trouble. I had already earned an expected number of free miles greater than that, but accepted the offer. I asked why customers had not been notified and he had no idea. 

My problem is that Citi was earning merchant fees and maybe interest under a false pretense that they were awarding bonus miles to the customer, even when they knew the program was not in effect. Unless someone carefully checks their statements they have no idea that the bonus miles are not being awarded. This is not right. It would have been relatively easy to notify enrolled customers about the program cancellation via email, but this was not done. Who does someone make a complaint about this to? Thanks for any help. 

XXXX XXXX
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (CO)

My Barclaycard Arrival+ account was shutdown without any warning or notice on XXXX XXXX, XXXX. 

I had XXXX points available on that card valued at {$2100.00} in travel credit. I sent Barclaycard a certified, return receipt letter that they received on XXXX XXXX, XXXX asking for an explanation as to why my accounts were shutdown and to have them reinstated. If that was not possible, I asked to be compensated for my loss of points. As of today, XXXX XXXX, XXXX I have not received a response. 

I feel that Barclaycard was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

we have mortgage with greentree servicing. I applied for an inhouse modification which would reduce the interest and put the late payments at the back of the loan. and forgive the late fees. ( they would not even talk about a mod until we stopped paying them XXXX so thisput a negative impact on our credit scores. we use auto bill pay which insure ontime payment and now they claim we were late and want to tack on over {$10.00} XXXX in interest and {$600.00} plus in other fees. the forms they send out are so confusing and talking to a customer care rep is so bad. This month they send out XXXX invoices for XXXX payment and they are not even sending to my address where I live.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (OH)

After reviewing my credit report, this company has XXXX different credit accounts listed.i only had XXXX CCA with this company and the account has been paid and closed for several years. This company is currently still reporting to the credit bureau as of 2015 and I have n't had an account with this company in several years.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name
Consumer complaint received 2024-10-01
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.