davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
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. (MD)

Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Equifax advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: McCarthy, Burgess & Wolff, Inc. (FL)

XX/XX/2022. The debt collection agency contacted my brother in an attempt to get my phone number when they have already called me multiple times. They represented themselves as a debt collector from McCarthy Burgess & Wolff. When I returned the call they will not give me any information of who they were and what debt they were trying to collect because I refused to give my address. I do not know who they are so I did not feel safe doing so and they are calling relatives that I have NO financial ties to
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I noticed late in XXXX that Capital One has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted Capital One several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called Capital One to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to capital One to inform them that XXXX   has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact Experian and have them correct my report. I filed two disputes through XXXX to have the report corrected and Capital One failed to reply to the them in time. I filed another this dispute with XXXX  on XXXX XXXX and never received a response from Capital One. It is absolutely absurd that Capital One refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc. (CO)

Submitted loan application to LenderFi on XX/XX/2020 using a link I had saved in my computer bookmarks folder from a previous website visit. There was no indication on the page I submitted application that LenderFi was no longer taking applications. LenderFi 's application system automatically pulled my credit upon submission even though LenderFi was not taking applications at the time my application. LenderFi acted in bad faith and pulled my credit with no intention of offering me a loan. 

LenderFi violated 12 CFR 1026.19 as I provided LenderFi the six pieces of information required to receive a loan estimate in good faith. The automated application system loan estimate was not accurate and not based on current market rates. 

I called via telephone and emailed XXXX XXXX on XX/XX/2020. XXXX did not return my phone call or respond to my email asking for a good faith loan estimate based on my specific refinance. 

I again emailed XXXX XXXX on XX/XX/2020 and asked him to provide an accurate loan estimate. He did not respond. 

I again emailed XXXX XXXX on XX/XX/2020 and he refused to provide a loan estimate. He claimed LenderFi 's website was not taking applications and it was my fault for applying for a loan. I replied to XXXX XXXX as stated above, I had the website link saved and it was no fault of mine that I applied. 

I again emailed XXXX XXXX on XX/XX/2020 asking for a good faith loan estimate since LenderFi had pulled my credit and not provided me me a loan estimate. XXXX XXXX did not respond.
Consumer complaint received 2024-03-05
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-13
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. (MN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 Account Number : XXXX Please remove it from my credit report. 


1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 


XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX This is not mine. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-14
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: AFNI INC. (TX)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (RI)

In XXXX I received {$6600.00}, these funds went into my Venmo account, shortly after that Venmo locked my account for an unknown reason. Ive been contacting them now for several years, I dont get a much of an explanation. The last time I spoke with them was XX/XX/XXXX and was told Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. 
The funds in your account will not be made available to you at this time. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. Please if you can, help me. Ive reached out so many times and this is the only thing they will say to me. Thank you so much.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is charging me usurious interest rates of 19.99 % and higher. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.
Consumer complaint received 2020-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AL)

NCA didn't send me a collection letter before placing this on my credit file, giving me a chance to dispute this collection account. According to the FDCA. collection agencies are suppose to notify you in writing before placing anything on your credit file. But this is their new trick to cause you extra stress. But collections agencies are lying saying they don't have to send you a letter just to keep it on your credit file. Well I know better.
Consumer complaint received 2020-11-07
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)

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX Balance {$1100.00} XXXX/XXXX Balance {$4500.00} XXXX XXXX Balance {$2000.00} XXXX ( Original Creditor XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} ( Original Creditor : XXXX XXXX ) Balance {$1100.00} ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XXXX XXXX XXXX Balance {$34000.00}
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.
Consumer complaint received 2023-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX mortgage sold our loan to LoanCare ( XXXX ) on XX/XX/XXXX. 

We applied and were approved for HAF of {$16000.00}. Loancare received the funds but waited weeks before allocating the funds. Eventually, Loancare applied HAF funds of {$16000.00}. However, instead of our balance being decreased to reflect the payment, the new balance went from {$470000.00} what {$470000.00}. 

Additionally, under RESPA, LoanCare was not allowed to report the account to credit bureaus for 60 days during the transfer. Our loan was transferred on XX/XX/XXXX and LoanCare reported delinquency of 90 days on XX/XX/XXXX. LoanCare reports the account as having been opened on XX/XX/XXXX ; however, they were NOT our loan servicer until XX/XX/XXXX ; the credit bureaus reflects that LoanCare opened the loan on XX/XX/XXXX ; whereas, they have restarted the loan. 


LoanCare violated and reported the account to credit bureaus before 60 days. As a result, they reported the account delinquent for 90 days during XXXX, XXXX and XXXX and charged late fees whilst they held the HAF funds. 

Additionally, XXXX mortgage transferred our loan with an ending SURPLUS ESCROW and LoanCare never refunded. 

We never requested to refinance. We never requested to be transferred. We were in forebeafance during the transfer period and LoanCare is attempting to profit on government funds.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this complaint on be half of myself an no other. I the consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-14
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: Valor Intelligent Processing, LLC (TX)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I opened a Bank of America XXXX XXXX Banking checking account. This account has a $ XXXX monthly maintenance fee, which can waived by having a combined balance of {$10000.00} or more in linked Merrill accounts ( see the fee disclosure linked below ). From the very beginning, when I logged into my BofA account, I could also see my Merrill account balances, which have totaled around {$20000.00} for a while. This led me to believe that my Merrill accounts were linked to my new checking account. 

Unfortunately, I was dismayed to see that I was charged a {$25.00} maintenance fee on my last statement on XX/XX/XXXX. I called in on XX/XX/XXXX, and the agent said my Merrill accounts were " not linked '' to my checking account, despite the fact I could see everything under my BofA login. She explained I had not been charged the fee until now because there is a 60-day grace period after account opening. More importantly, she explained that because I opened my checking account online, I would have had to call in to properly " link '' my Merrill account balance to qualify for the fee waiver. I asserted that any reasonable person would think that my accounts were " linked '' since I can see them all at once online. Furthermore, the fee disclosure does not elaborate at all on what it means for accounts to be " linked. '' In the end, the rep could not refund the fee. 

https : XXXX I have attached the statement showing the fee as well as a printout of what I see when logon to my BofA account.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

To Whom It May Concern : I am trying to resolve my monthly payment amount. 

My LTV is at 80 % and is therefore no longer subject to PMI. I have requested for my PMI to be removed over the phone but I have had no formal response provided to me that it is being removed. 

I would like a written response to my PMI inquiry from Loancare. While attempting to use the Loancare customer service link " https : //myloancarecustomeradvocate.com/XXXX '' on their website, it links to an unusable portal. 

When attempting to use the help line, I was informed of call wait times exceeding 1 hour. 

This company should not be allowed to service customer mortgages due to its complete disregard for customer service. 

Regards, XXXX