davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Paid off lien of vehicle. Got notified of garnishment of my wages by employer ( XXXX XXXX XXXX ) dated XX/XX/XXXX. I received court paperwork from XXXX XXXX XXXX on XX/XX/XXXX via the United States Postal Service . Garnishment of wages occurred on XX/XX/XXXX. I have a lien release dated XX/XX/XXXX. I have a clear title from the State of Michigan dated XX/XX/XXXX when applied for a new title to sell vehicle. I was never notified of a court date. Therefore I was not able to submit paperwork to court. This is also affecting my credit report to the negatively.
Consumer complaint received 2021-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aubrey Thrasher, LLC (IN)

I am receiving calls and texts from XXXX with The Aubrey Thrasher LLC Law Firm trying to collect a debt for my moms business. He is also harassing my dad with calls and texts. I don't speak to my mom nor does my dad, who has been divorced from her for 15 years. The texts read : XXXX contact XXXX with The Aubrey Thrasher LLC Law Firm in regards to XXXX XXXX XXXX XXXX vs XXXX XXXX XXXX XXXX XXXX, XXXX Your case number is XXXX. My direct line is XXXX. I called the number and spoke with " XXXX '' and explained that I was her daughter and do not have contact and that I didn't appreciate the contact. He said that he showed me and my dad as contacts for her, which we are not and then became beligerant and pushy for us to contact her on his behalf. Then he hung up the call. But, then proceeded to call me back again just after which I ignored.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My home loan servicing company was transferred in XX/XX/2022 from XXXX XXXX to my current servicing provider, XXXX. All payment amounts and information were transferred as is and I had made every payment required by the prior servicing company, XXXX. Unbeknownst to me there was a shortage in my escrow account. When the new servicing company, XXXX, acquired the loan, they assumed the risk as is with no due diligence or review on their end and even more so, no notification to me that there was a potential problem. Fast forward towards to the end of 2022 and I receive a letter in the mail notifying me of the shortage amount of {$3400.00} and that I will be responsible for paying in increments over the next XXXX  months, thereby significantly increasing my mortgage payment. I called XXXX to help explain the situation. After reaching several different levels of customer representatives, I finally reached a XXXX XXXX at XXXX who helped explain the situation as a mistake made at XXXX when calculating my escrow balance and funds needed. My complaint, and what I am looking to resolve, stems from the fact that this error made was on the mortgage servicing provider. Both XXXX, who originally calculated it incorrectly, and XXXX, who assumed the risk as is with no due diligence and failed to ever notify me of a shortage so I can take earlier steps to rectify. I am asking for the relief of the full shortage, {$3400.00}, as to make me whole of a mistake made by the company, not the home owner. Thank you.
Consumer complaint received 2023-01-18
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)

I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out. 

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.
Consumer complaint received 2021-12-31
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.
Consumer complaint received 2023-01-18
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. (TX)

I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out. 

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. Westlake Financial sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. Westlake needs to update my file ASAP and take the delinquency off my credit report. I called into Westlake several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Last year 2016, I applied for an saving/checking account with the Navy Federal Credit Union ( NFCU ) online. I called to check the status of my application, which I was told that my application was denied. It was denied, because I need to email over proof of identity ( like bank statement, driver license, social security card, and etc ). I was told to email the documentation to email address XXXXXXXXXXXX and XXXXXXXXXXXX. Once I emailed the information over, I was told by the rep that I was denied because there was an warning on my credit report through XXXX XXXX XXXX ( XXXX ) with XXXX XXXX XXXX ( XXXX ). I disputed the information on the XXXX XXXX XXXX report and had the item removed, because they could not verify it. I received a letter in the mail from XXXX ( XXXX XXXX XXXX ) stated that the information will be deleted from my credit report. So, after that happened, I waited about a week before I applied again for an account with NFCU ( Navy Federal Credit Union ). I applied on XXXX XXXX for an saving/checking account and re-email the documentation to the emails listed in this complaint. On XXXX XXXX, I called and spoke with a rep to check on the status of my application. The rep stated that my membership application was denied because I did not hypen my last name. Also, the rep stated that I had to do another application with the hypen last name. So, I did another application on the XXXX XXXX online with the hypen last name. Check on the status of my application again with NFCU and was told to take my documentation again to the NFCU branch office. So today I took my documentation to the XXXX, Georgia NFCU branch office, so that I would be able to open up the account. I was told by the female rep in the branch office that my account was denied again. I explain to her that I signed up for the XXXX XXXX to join the NFCU, which I paid {$25.00} to join so that I would be able to get an account with NFCU. The rep stated to me yes if I join the XXXX XXXX the application has to be done online ( which I did ) and now she is telling me that she have to do another application and I have to wait until 3-5 business days before I will get an response. She also stated that once I get an response then I will have to go back to the branch to bring documentation of my identification. This getting ridiculous and we are faxing or emailing our information over with our social security number and other personal information over and they are not looking at the information to give feedback to new members or customers that wants to become a member. I 'm very disappointed in NFCU, because I hear good things about their Navy Federal Credit Union. The only thing that I 'm trying to do is opening an saving and checking account. I just do n't understand why customers can not received an email stating that they application has been denied. I had to call about 6 times to try to get this situation solved and still is not solved. There should be a better way of NFCU to treat their customers.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi, I bank with Bank of American for my XXXX business. For the pas month Bank of America ( BOA ) has been processing fees in the middle of the day. BOA cut of time to make deposits is XXXX my time. And accounts are processed after XXXX. Yesterday ( XX/XX/XXXX ) I opened my account and see a check I wrote had been deposited which made my account negative. At the time ( XXXX ) there was no fee, just a negative balance. I knew I had to make a transfer before XXXX to avoid a fee and/or the check being returned. At XXXX that same day ( XX/XX/XXXX ) I logged on to make the transfer and to my surprise my account had already been processed, I had a fee, and the check had been returned in the middle of the day. It was not pass the cut off time for deposits, nor was it pass the processing time. As of lately this had happened more than once. This is not right! They are not following their own rules. HELP!
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX XXXX XXXX I received a call from Chase Exe Office XXXX in which she told me : I see that you have previously requested information on a loan.Unfortunately as we have previously advised, we. do not have information on a loan. '' There is a current open complaint CFPB unanswered by Chase for information. 
Chase had previously represented only that they did not have documents not that they did not have information. 
I have requested information. 
Chase is seeking not to answer the CFPB complaint filed several times for information on a hidden loan revealed to me on my home. Chase is refusing to address whether the loan is an assigment or assumption and the name of the second bank. Chase has not given a loan number, not given dates, not given amount. There is an official log at Chase of this loan.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that CAINE & WEINER is still reporting this fraudulent information to my XXXX and XXXX Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (VA)

I signed up for an Citi Priority account with an account opening bonus. I was promised {$700.00} after depositing {$50000.00} for 60 days. I followed all bonus terms and I have not yet been paid. I have inquired multiple times with no resolution, and been promised the issue would be escalated internally. My most recent contact, on XX/XX/XXXX, ended with a rep informing me that my account was indeed qualified for the bonus and that it had not been paid. This, again, resulted in an internal escalation which I have little hope of being resolved without this requested intervention from the CFPB.
Consumer complaint received 2021-12-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on my credit report
Consumer complaint received 2016-11-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I paid my payment on time & they sent in info to credit agency that I did not, I have proof it was paid on time but the refuse to remove it & even made it now show 60 days after I filed complaint to have it removed. They have place many 30 day late payments on my credit I should not have & they will not remove, you can see they even have charged my fees even after it shows it was paid at the time. This is more of Wells Fargo criminal activities.
Consumer complaint received 2023-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Capital One failed to perform their obligation to respect and protect my privacy. Capital One failed to provide me an adequate opt out notice and Ive NEVER granted Capital One any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Capital One actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Capital One breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Capital One to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Capital One is required to comply with this opt out notice upon receipt and comply with the follow