davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, I closed my conventional loan with Navy Federal CU for my new property. 
Everything went smoothly except that when I saw my closing disclosure, the payment had been increased by over {$200.00}. The title company poc mentioned that maybe the taxes were adjusted. I was concerned because I had never seen that payment amount before during negotiations except for when the Navy Federal Loan officer was initially showing me what my payment would be if I chose Navy. Since I was weighing offers from different lenders I reached out to my realtor because Navy payment quote was much higher than everyone elses. She discovered that Navy Federal had the wrong tax information so she reached out to the loan office who recalculated the amounts and and came up with the more accurate payment quote. That adjusted quote was the reason why I chose Navy for my loan. So to see a totally different increased amount at the closing table was quite shocking to me and made me feel that I was " bait and switched '' into choosing Navy. During closing, I received a {$300.00} check given back to me since I overpaid Navy. Once I got into my car after signing documents, I was contacted by the title company who explained that Navy had contacted them and demanded that I now pay {$740.00} because I didn't put down enough money for the down payment and to rip up the check that i had received. I was also informed that the money needed to be paid at the title company by XXXX. I started driving to the title company which was XXXX minutes away and called my processor who didn't have any information concerning why the payment amount was adjusted during the last few hours. She mentioned only that the payment changed because of the taxes. So I tried reaching my loan officer who called me back later that day and said that she would find out what happened ( that was a week ago and she hasn't contacted me back ). A few days ago, the processor called me to follow up and based on what she said I discovered that the closing contact at Navy had calculated my escrow tax amounts based on the home being " New Construction. '' This is incorrect because the home was built in 1920 and that year is visible in the appraisal. Additionally, the home has a ground rent which is something that was established decades ago which further proves that home had been existing for decades. I mentioned this to the processor and she agreed that an error had been made but I needed to reach mortgage servicing after the loan had appeared on my account. I called mortgage servicing but have not received any feedback. My payment should be adjusted to the correct amount based on the taxes. Please assist.
Consumer complaint received 2023-06-20
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. (MI)

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. 


Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights . Or list of inquiries 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 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

My home mortgage was sold to Mr. Cooper ( not my choice ). I tried to make a payment but it was " reversed ''. A woman called me last week and stated the checking info was incorrect and said I could find out the numbers that were entered on their website. They do not allow debit card payments for past due mortgages. The info is not on the website. I have tried numerous times to call them and just get an automated message maze that doesn't lead to a person. I have also tried their " chat '' function, which is turned off, and sending them a message on their website, which just gets a response " we received your message ''. It is literally impossible to get a hold of human being at this company!! In the meantime Iate fees are being added to my account. I wonder how many other customers are dealing with the same issue. If they don't have the personnel to respond to customers who have transferred accounts then why are purchasing, or being permitted, to purchase the home mortgages in the first place??!! They are committing fraud by creating an impossible situation for customers to speak to an individual to figure out account issues so they can make payments.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have a Capital One credit card with the ability to use for a cash advance with an interest rate of XXXX % that starts immediately. I called and asked if I prepaid my credit card would the credit balance on my credit card go against the amount due on a cash advance. I was told no - I would have to make an additional amount for the amount of the cash advance to stop any interest charges. When I asked why - I was told that overpaying a Capital One credit card is wrong, basically an error, so that error can not be used against a cash advance. So Capital One will basically get paid twice for the same charge. This essentially means that while traveling, without access to pay twice for the same transaction, I am paying excessive interest rate on a cash advance.
Consumer complaint received 2024-10-07
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: Nelnet, Inc. (GA)

The loan being reported as closed on my XXXX report with 9 missed payments was reporting being serviced by dept of education XXXX on my XXXX credit report on the dates you report to have had my loan with nelnet. Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my XXXX and XXXX credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the XXXX consumer reporting agencies.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (SC)

I was contacted by Paramount Recovery Systems. They said the had an account that was for me for {$3000.00}. I told that that I did not have any collections account for that amount of money. They sent me some documents that does not include a signature showing terms of a contract a long with an Exhibit A form with an invoice amount for {$1400.00}. All of which I have no Idea what they are talking about. This is not my debt and I am requesting that the collection attempts cease and for the negative reporting 's be removed from my credit reports. This is evidently a fraudulent account and I have communicated this with Paramount Recovery System. I have contacted the FTC as well as my local Police Department and the said company.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MN)

A security deposit was required to activate power at a home I was WORKING on. They kept the deposit on never told me about any excess debt. This home was in a company name and is not my debt even though I paid the deposit.
Consumer complaint received 2024-10-06
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. (MD)

All XXXX credit bureaus are reporting inaccurate information by XXXX. I went to court against XXXX, and XXXX could not validate the debt. I sent all XXXX credit bureaus the court document and the emailed me and said that XXXX said the debt is accurate. I asked all XXXX credit bureaus how did they investigate the dispute, they said they send a kettle and XXXX sends back an automatic response and thats how they know its accurate.
Consumer complaint received 2019-08-08
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)

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX   Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX  To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communicationsXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal XXXX XXXX XXXX XXXX XXXX as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 IC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may m
ake 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently checked my credit report on XX/XX/year>. I've noticed TransUnion is reporting a Collection/Charge-off account with Fair Collection and Outsourcing. This XXXX account # XXXX is currently reporting open account status. I have sent certified letters directly to Fair Collection and Outsourcing ( See Attached Documents ). Requesting that they send me the original contract or documentations providing me with payment history. Along documentations that has my signed signature on it. 
My XXXX attempt was XX/XX/year> was when I sent a certified letter. To the creditor Fair Collection and later received a confirmation signature. That they did in fact received my letter requesting proof of original documentations. 
I mailed another certified letter off to TransUnion. It was also confirmed with a signature. That they too received my letter requesting original documentations. 

I have yet to receive any original documentations, know proof of patience history, not even any form of documentations producing my signature. 
This account is currently reporting opened. 

This account is reporting inaccurate, unverified incorrect information, incorrect payment status information. Which is a clear violation of USC 1681 e ( b ). They have also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681i ( A ) ( i ) & ( ii ). According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I ask that XXXX Collections and Outsourcing be removed from my TransUnion credit profile. After numerous attempts of requesting original contract documentations from the collection agency. That they have fail to provide or priduce any documentations.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX, not everyone gets this pre-approved XXXX XXXX offer. 

XXXX XXXX approved, youll have access to an additional line of credit with no annual fee, and can start earning unlimited cash back : 3 % cash back on dining, entertainment, popular streaming services and at grocery stores* 5 % cash back on hotels and rental cars booked through Capital One XXXX 1 % cash back on all other purchases XXXX! 0 % intro APR on purchases for 9 months with a 29.99 % variable APR after that. 





Variable APR is subject to change with the market based on the XXXX XXXX. 

This pre-approved SavorOne offer is available by following the redemption instructions indicated in this message and XXXX not be available if you try to redeem via another method. Other card offers XXXX be available elsewhere, including through capitalone.com, and XXXX have different terms. 
i did not ask for this card was curious as to what they were offering I did not know that it would be a HARD INQUIRY into my credit report that was not explained openly
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am trying to lift the freeze on my Equifax account temporarily. I could not do it at all online and when I called Equifax they said I could only remove it completely, not temporarily. They said I would have to call them back to put the freeze back on.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. CXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

IVE RECENTLY REVIEWED MY XXXX, EQUIFAX, XXXX, CONSUMER REPORTS AND IVE NOTICE FRAUDULENT NAMES, ADDRESSES, PHONE NUMBERS, HARD INQUIRES, EMPLOYERS. ACCORDANCE WITH USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE NAMES ETC TO BE REPORTED ON MY CONSUMER REPORTS. 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 PLEASE DELETE THESE FRAUDULENT ITEMS IMMEDIATELY