davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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. (NY)

On XX/XX/XXXX I noticed some unauthorized inquiries on my TransUnion consumer report. On 03/01/2022 I informed TransUnion of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion are willingly and knowingly reporting false information on my consumer report. I required TransUnion to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion has yet to respond to the letter sent through the mail. I demand TransUnion to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion is reporting on my consumer report. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. I require you to delete these unauthorized inquiries and update my consumer report, and send me an updated report.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I am currently working on buying a home and Equifax is unable to produce a credit report for me. This is very frustrating because I have called them numerous times and attempted to fix this. Equifax claims they can not find a credit report for me, even though I have provided copies of my personal information. This is holding up my real estate transaction and is costing me a lot of money. The mortgage lender was able to pull my credit reports through XXXX  and XXXX. I have accounts through major banks like XXXX XXXX, XXXX XXXX  and XXXX. They report to all three bureaus.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Idaho Housing And Finance Association (TX)

Applied for COVID 19 forbearance on mortgage. Signed the promissory note on XX/XX/2021. FHA Partial Claim is dated for XX/XX/2021. Claim request from loan servicer ( Idaho Housing And Finance ) was submitted to XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX received the signed documents from notary on XX/XX/2021 with XXXX  tracking number confirmation. 

We are selling our home and title company was not able to get loan payoff. 

XX/XX/2021 : called XXXX XXXX XXXX and they stated the loan servicer has not submitted claim request. 

XX/XX/2021 : on the phone from XXXX CT. Called loan servicer, claimed they can not give payoff due to funds from HUD/FHA have not been received for COVID 19 forbearance. State they have submitted claim to XXXX on XX/XX/2021. Called XXXX  back, state they dont have record, so they can not give payoff for COVID-19 forbearance. Called servicer, they state the title company has not recorded the signed documents, so they can not process a payoff. I stated we can pay out of pocket for the loan amount but they will not allow it because the paperwork has not been processed. 

XX/XX/XXXX : Submitted formal request for payoff to both XXXX XXXX XXXX and Idaho Housing and Finance. I received an email back saying they are unable to process the request due to the loan servicer not submitting a claim request XXXX the claim request was submitted XXXX XXXX ).
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (DC)

When shopping for a refinance mortgage, I was offered a good interest rate ( 3.125 % on a 5/1 ARM ) and a {$9500.00} lender credit from LoanDepot. While other lenders suggested that the offer was too good to be true and they could not match it, LoanDepot assured me that the offer was valid, and included those terms in a written Loan Estimate dated XX/XX/2019. On the basis of their representations, I paid {$590.00} for an appraisal and {$19.00} for a credit report. 

Subsequently, LoanDepot dragged its feet in finalizing the loan, making repeated excuses for lengthy delays. When the loan was finally approved, LoanDepot sent a revised Loan Estimate on  XX/XX/2019 showing that the lender credit had decreased by over {$9000.00}, to {$390.00}. When questioned about the discrepancy ( which LoanDepot had failed to proactively tell me about ), LoanDepot informed me that the lender credit had disappeared because I was being charged over {$9000.00} for rate lock extensions. But LoanDepot had not previously asked if I wanted to extend the rate lock, had not informed me that rate lock extensions were required, and had not informed me of any fees associated with rate lock extensions. Moreover, interest rates have fallen since we initially locked the rate, making a rate lock extension unnecessary and counter-productive. When I made these points to Loan Depot, they offered excuses, but did not address my concerns. 

I believe that I have been the victim of a bait-and-switch, in which I was offered unrealistically good terms in order to ensure that I would file a mortgage application with LoanDepot instead of a competitor, but at the end of the process, after I had invested substantial time and resources, LoanDepot switched the loan terms to be unfavorable.
Consumer complaint received 2018-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Amerihome is showing my loan is missing a payment. When the loan first started with Amerihome, XX/XX/XXXX they sent me correspondence to show the start date was actually XXXX. Amerihome ( after several frustrating countless phone calls ) kept my 1st payment in a suspense account and later applied it to the XX/XX/XXXX payment. Months have gone by, no issue with the payment. Now 3 months later, Amerihome is stating I am behind a payment from the start date.

Every time I speak to someone at the office I receive a different answer. No resolution. I do not want to be in default nor be reported to the credit agencies for being late. I am not late. Their records are incorrect. It has been nothing but issues since the start of servicing ( 4 months ). There are 5 " misapplication reversals '' ( see attached ) since the start of the loan. It is always promised that a supervisor will call me within 24 hours to follow up and that has never happened. I can not get a straight answer from anyone.
Consumer complaint received 2022-09-26
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. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IA)

Contacted HPFC numerous times regarding tax bill disbursement. HPFC provided an auto generated reply stating the bill would be paid but for a different amount and with a past date. The bill was higher than what was anticipated to bill due to an error with the XXXX county assessor. I informed HPFC of this and made a payment to the escrow account for the shortage. My bill was increased by XXXX with no insights or documentation for the increase. Prior amount was XXXX and bill now shows XXXX. This conflicts with my statement and HPFC can not provide an insight as to the difference. The asesor has also fixed the issue to document my taxes now being due in the amount of {$1000.00} which is less than HPFC estimated amount of {$1500.00}. This should lower my total monthly payment. Ive contacted HPFC numerous times to resolve and no success.
Consumer complaint received 2022-09-27
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. (IL)

I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (DC)

I sold the vehicle back to the original dealership BMW FINANCIAL SERVICES and paid off the amount Bmw requested. BMW FINANCIAL SERVICES came back months later and said there was still a balance due and started to report late payments and charge offs, the balance was paid in full.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2015-07-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I received invitation from Bank to open Savings Account through XXXX mail. I applied Online for savings Account, I met with an error and it advised me to call them. When I called them, they denied the Account opening saying I do not have sufficient history from third party regarding my SSN. I asked them if they can send an email about denial or if I can send more documents, proof to satify requirements. They simply said No for everything and denied Account opening. They simply said we cant help. I have excellent credit rating and I am clueless about what happened.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Called at XXXX am on Monday, XX/XX/14 telling me theyre calling for XXXX XXXX XXXX my mother, but they did not know ). She said she was calling from Gulf Coast Debt Collections and wanted to verify my DOB. They had the month and day, but not the year. I told them they had the wrong number. She hung up. 

I XXXX the number and discovered many complaints for the number stating similar stories and that its a scam. I wanted to report this since theyve called so many people. 

Thank you for your assistance. Ive blocked them on my cell and Ive alerted my senior mother to be on the watch for them and not give out any info.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

At XXXX EST my mobile number received a text from XXXX that said : " Thanks for giving Capital One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX ( both these numbers were hyperlinks ). You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by ending a text to XXXX ( hyperlink ). Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. 

I then called Capital One customer service number that I found via XXXX : XXXX. The first lady told me she had to transfer me when I told her about the text and possible fraud. The second representative I got, after I told him what was going on, insisted I provide my full SSN. I told him I was not comfortable with this since I have concersn about fraud. He then immediately told me he has to transfer me to another representative who can better handle my concern. The third representative asked for my first and last name then again asked for my full SSN. I again replied that due to being concerned about fraud I was not comfortable providing the full number and would not. He stated that the only way he could help me was if I provided the full number so I hung up. 

When I returned home I logged into my XXXX XXXX account to check for any new accounts opened in my name but found nothing. I believe this text message was a phishing attempt and that somehow the spoofed the Capital One customer service number.
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

In XXXX of 2021 i took out a {$900.00} title loan from The Cash Store. I made my XXXX, XXXX, XXXX, & XXXX payments of {$320.00}. So right there ive already paid balance, but in XXXX unemployment was cut off in texas and I could not make last payment. Well in XXXX I was able to pay on loan and it shouldve paid it off, but they made me refinance it for {$500.00}. I made the {$300.00} XXXX payment and the {$210.00} XXXX payment but in XXXX I got XXXX and lost my job. Now they are wanting to repossess my only vehicle ( for myself and XXXX kids ). They are charging over 300 % interest. Someone please help me. Ive paid off what was borrowed plus more. The paperwork from XXXX shows i refinanced {$550.00} plus fees for a total of {$710.00} ( after already paying {$1200.00} towards for amount ) but the break down payment schedule shows I will pay back {$1200.00}. Thats {$2400.00} for a {$900.00} loan.