davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MD)

This car i voluntarily returned it back to credit acceptance and it was auction off and they are trying to charge me the interest due for 7 yrs. One the amount of car was flip on me .secound the car dealer XXXX  XXXX switch the car amount on me next it was stolen and vandalism. Last it wasn't my car ..i tryed to settle for less amount because i m a parttime worker and i m getting a loan in amount of XXXX to pay off the car. I don't have XXXX .and i can not pay monthly fee .i just want to settle less then what i own .because its not my car its my son car so i just want to settle because its in my name
Consumer complaint received 2024-09-19
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: CBC Companies, Inc. (CA)

As clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. 

a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (SC)

On XX/XX/XXXX we rec 'd a letter from Specialized Loan Servicing indicating an escrow shortfall of {$6600.00}. We mailed a bulk check to them on XXXX in order for monthly mtg pmt of {$1700.00} to remain the same. On XX/XX/XXXX we rec 'd letter from Newrez indicating they were new loan servicer. We continued making former payment of {$1700.00} while mailing letters to Newrez on XXXX and XX/XX/XXXX and sending at least XXXX online messages disputing the new contractual payment of {$2600.00}. The resulting certified letter to us dated XX/XX/XXXX indicates the bulk pmt {$6600.00} sent to XXXX during the transition of loan servicing would NOT satisfy the escrow shortage and our monthly payments would increase. Instead of continuing with {$1700.00}, our new payment is now {$2100.00}. I sent an online message to Newrez on XXXX and included a copy of the SLS letter to us dated XXXX. Unfortunately, several past due letters were rec 'd from Newrez on XX/XX/XXXX, XX/XX/XXXX and one additional date in the interim. 
Notably, in a letter to us from Newrez dated XXXX announcing migration to them as a new servicer, " Your mortgage terms WILL NOT CHANGE ( their emphasis ) as a result of this migration. '' and " We will manage and pay your taxes and insurance if they are currently escrowed. '' To date, we find this information to be untrue. We would like our payments to remain the same following the bulk payment of {$6600.00}.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XX/XX/XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed 2 fraudulent charges on my Capital One 360 bank account. One was for the amount of {$3100.00} from XXXX made on XX/XX/24 and the other was in the amount of {$300.00} to XXXX made on XX/XX/24, which happened a day apart from each other. I spoke to the fraudulent department about both fraudulent charges. I got {$300.00} lifted and returned and the {$3100.00} was not. I spoke to the fraudulent department at capitalone they submitted and denied my claim and stated they did not have enough information. When I called them to escalate I was told to email the card investigation at CapitalOne 360 with more information I did so and after 15 business days I was again denied. When I spoke to the fraudulent department again, they said it was my fault that my information was stolen and {$3100.00} Charge to my account was not going to be returned. I was told to speak to the merchant that charged that amount so I can Possibly get part of my money back. I was told to, by capitalone I can email the investigation department again and/or they can provide me with the documents on how they came to their decision.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/year> I placed an order with a seller on XXXX and I used PayPal to check out. I ordered a mattress. I received the tracking number when the seller " shipped '' the mattress. It was supposed to have been delivered by XXXX. It kept being delayed. I contacted fedex and was told that all they could tell me was it was delayed. They could not provide me with more information because they stated XXXX not the person listed on the package nor was my address listed for the shipping address. I immediately contacted the seller and filed a case with PayPal. I have provided all proof to XXXX and they denied my claim. I don't know where the mattress was delivered but i was NOT DELIVERED TO ME. I HAD TO GO TO MY LOCAL MATTRESS FIRM AND PURCHASE A MATTRESS. THE SELLER PROVIDED PAYPAL WITH " PROOF OF DELIVERY '' BUT It didn't come to me, and {$540.00} is too much money to let go for a product I don't have. I'm out of over {$1100.00} for XXXX mattresses and I only have the one I went into the store to purchase. I paid through PayPal because they are supposed to protect against scams. 

Dispute Case ID XXXXXXXX XXXX XXXX XXXXXXXX The " delivery '' picture is NOT MY HOUSE. 


Here is a tracking number of something I ordered and it was delivered to me. This is how my door looks. The picture in the tracking number above looks nothing like my door. 

XXXX tracking number : XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (NY)

Despite numerous requests for a Validation Notice/Validation Letter , McCarthy Burgess & Wolff has failed to send it to me. I have made past requests directly, and through the CFPB before. I believe they are legally required to send it so I would encourage the CFPB investigate them for this, nevermind the fact they illegally attempted to collect money from a criminal act against me. 

MB & W -- I can say with 100 % certainty I have never gotten what is supposedly legally required for you to send. Perhaps you should send it registered or certified in the highly unlikely chances the last few Validation Notices you sent got lost in the mail.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (CA)

I am writing to formally request your urgent assistance regarding the upcoming auction of my property scheduled for XX/XX/year>. I believe this auction is unjust and has arisen from a series of misunderstandings and miscommunications related to my repayment plan and modification request. 

For the past XXXX months, I have made timely payments under the understanding that I was placed on a repayment plan while I awaited a modification. Unfortunately, despite my efforts to seek clarification and assistance, my requests have been ignored, and I have received no clear information on my modification status. 

I was informed that a response regarding my complaint was posted on the CFPB portal ; however, I have not seen any attachments or further details pertaining to this matter. This lack of communication and transparency is concerning and has left me feeling vulnerable in relation to my home. 

I am requesting that you take immediate action to halt the auction of my property and review my case thoroughly. It is essential for me to have a fair opportunity to resolve this matter, as I believe that my circumstances warrant consideration for a modification. 

Please let me know the next steps I should take to prevent the auction and to ensure that my rights as a borrower are protected. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your cooperation.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" 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 2024-08-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

I requested documentation from Freedom Mortgage as of XXXX XXXX 2024 and XXXX XXXX 2024. Because of all the Escrow issues of non releasing of Tax payments and insurance payments, charging incorrect Mortgage amounts etc. So I realized that I needed to do a background check on their license to service my loan in XXXX  and to no avail No License. So my request went Unanswered. Then Freedom Mortgage reported me to several entities like the XXXX  and the credit bureaus. All of my rights was violated when my XXXX  was shared, 15 USC 1692i, 5 USC 552a ( b ), and my loan was obtained, XXXX5 USC Right to Privacy Act, no loan assignment 18 USC 8, no license etc
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/year>, I checked my credit report and Experian has placed someone else 's social security number in my file. I have never given them the social security number they have in my file and it says that you can't dispute or change it.

They have two accounts reporting for one account for XXXX XXXX XXXX XXXX XXXX and it gives a negative outlook. XXXX say i owe {$810.00} and they illegally stole/repossessed my car and sold it. Ignorant XXXX! 

They allowed a dismissed case XXXX XXXX to be placed on my report which is not mine and the company owes me.XXXX. I have disputed this information, and they haven't removed it.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: California Business Bureau, Inc. (CA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK (TX)

I Had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and contents. I contacted my insurance company and was told my insurance had been cancelled because the mortgage company did not pay the insurance premium. My insurance and taxes are paid from an escrow account. The insurance company said they sent two different notices to the mortgage company and they never responded and therefore cancelled my insurance for non payment. It was their responsibility to pay it and they failed and I am now homeless with nothing and no way to rebuild but still on the hook to pay for a burned down house. This doesn't seem right.
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC (CO)

the first time I asked them to remove it was before I went into the hospital the next time I asked them to remove it was right before a XXXX XXXX was placed in me while I was in the hospital. I stopped talking to them after that.
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (TX)

On XX/XX/XXXX and XX/XX/XXXX, I submitted a validation of debt request to Professional Credit Management regarding what I come to find out is a medical debt. Upon further research, the alleged debt was covered under the creditor 's ( XXXX XXXX XXXX XXXX, XXXX ) financial aid program which I qualified for on XX/XX/XXXX. I disputed the debt in it's entirety. I've learned that the amount of the debt sent to collections was {$150.00} which was reduced to {$94.00}. Through the financial office I found out that the alleged debt was covered under the Financial Aid Program and was left out by accident. Yet PCM verified the debt to XXXX and XXXX when I disputed it 3 times. PCM performed no investigation FCRA 1681s-2b, did not provide 1692g disclosures, did not report the account as disputed to XXXX after XXXX XX/XX/XXXX investigation XXXX et seq, did not contact me in writing or otherwise before placing the account on my credit report in violation of 12 CFR 1006.30 ( a ) ( 1 ) of Reg F. to resolve the matter. PCM further increased the debt from {$94.00} to {$950.00} an action not authorized by the original creditor-which I verifed on a recorded line. PCM is reporting the date of first delinquency as of XX/XX/XXXX when the account was opended on XX/XX/XXXX, yet PCM verified this information and the rest of the account as accurate on 3 ocassions.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

This is a general problem with all three XXXX XXXX XXXX XXXX ( XXXX, Equifax, XXXX ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX  years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have made multiple disputes regarding a debt that I paid to have deleted from my credit report. The original creditor was XXXX, and the debt was later purchased by XXXX XXXX, who used a third party named XXXX to collect the payment. The debt was settled and paid in full on XX/XX/year>. However, it is still listed on my credit report as a closed, unpaid account, despite the agreement to delete it upon settlement
Consumer complaint received 2024-08-08
Product: Credit reporting 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. (NC)

More than one month ago, XX/XX/2024, my request for a copy of my free Equifax credit file disclosure was received by the Annual Credit Report Request Service at XXXX XXXX XXXX, XXXX, GA XXXX, as confirmed by USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX. Despite this confirmation, I have not yet received my Equifax credit file disclosure pursuant to my XX/XX/2024 request. 
My first name is XXXX XXXX ; my middle name is XXXX and my last name is XXXX. My first name is NOT XXXX. I do NOT recognize first name XXXX. I am NOT known by first name XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Experian does not allow you to speak with a person. I have called there number for days and you can not speak to a person. They wont give me a credit score and we are trying to get a loan and can not without the credit score. XXXX has a score and XXXX has a score but not experian and I cant speak to anyone.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

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.

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 2024-08-02
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: EQUIFAX, INC. (FL)

A number of items were verified with out proof supplied to me as the creditor, I have a quit claim deed in which I have a court order to give the home to my husband and I did a quit claim deed giving up my rights to the home and still have it reporting on my credit as XXXX XXXX XXXX XXXX XXXX failed to remove my mortgage off my credit I also have instructions listed in the attachments below. Please correct this quickly as my ex husbands credit worthiness and financial situation is affecting my situation.
Consumer complaint received 2024-07-15
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. (GA)

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late on. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account that I included screenshot inside this complaint on the dates of XXXX XXXX. please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand the payments be updated and paid as agree on time as they should be due to the fact I was never late. 

Payment history guide 30 days past due as of XXXXXXXX XXXX  Thank you