davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (VA)

On XX/XX/year>, I made a payoff amount to my loan in the amount of {$1700.00}. I received electronic notification that this amount was scheduled to be made and confirmed the amount was withdrawn from my bank account on XX/XX/year>. 
On XX/XX/year>, I had not yet received my title and contacted Virginia XXXX by phone. The Virginia XXXX notified me that they had not received an electronic title release from Volkswagen Credit. On the same day, I contacted Volkswagen Credit and notified them that the title was not yet released. They confirmed that they would release the title and confirmed the account was paid in full on XX/XX/year>. 
On XX/XX/year>, I had not yet received my title, so I contacted Virginia XXXX to verify if the title had been released. Virginia XXXX stated they had not received a title release ( or attempt ) from Volkswagen Credit. Immediately after I contacted Volkswagen Credit and notified that the title had not been released. Volkswagen Credit stated that they had attempted on XX/XX/year> but would attempt again and to wait one week to confirm. 
On XX/XX/year>, I had not yet received the title so I contacted Virginia XXXX to confirm if release had been sent. Virginia XXXX stated they had not received a release from Volkswagen Credit and suggested to contact the lien holder. I immediately contacted Volkswagen Credit and notified no release had been sent. Volkswagen Credit stated that the release was sent but may not be received until XX/XX/year> and to contact again at that time. 
On XX/XX/year>, I contacted Virginia XXXX. Virginia XXXX stated that again no release had been received from Volkswagen Credit and suggested to contact Volkswagen Credit. I immediately contacted Volkswagen Credit and notified that the Virginia XXXX had not received a release for the title. Volkswagen Credit stated they received a rejection from Virginia XXXX on XX/XX/year> due to incorrect ELT number and had resubmitted back to Virginia XXXX with changes. As of now, no title has been received.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir, I was went to the Chase Bank branch at XXXXXXXX XXXX XXXX XXXX XXXXXXXX and deposit my cash USD XXXX which all in XXXX bills into the ATM. Unfortunately, the machine was malfunction and eat my cash unexpectedly. I was call to the customer service immediately twice as instructed on the receipt and asking for prompt assistance. The representative told me this case is on file and they will send a repair team tomorrow on Monday. There is nothing we can do on Sunday and will give a positive answer by eamil within two working days. On XXXX, I went to the Chase bank branch at XXXX XXXX XXXXXXXX and explained the whole situation with a private client banker. He discuss this case with the back office by his landline phone. He told me this case under investigation and will give me a feedback within two days by email. However I still not received any positive response after three days. I went to the Chase bank XXXX at XXXX XXXX XXXX on XXXX XXXX and ask a banker is there any update for my case. She talked to the back office and told me this case still under investigation and will give a feedback in two days. Meanwhile, the bank will credit USD XXXX to me and will release the other amount after the case closed. Regrettably, I did not receive the credit as promised. I went to the Chase bank branch at XXXX XXXX XXXX again to seek for further assistance on XXXX. The XXXX XXXX XXXX talked to the back office the situation I was encounter. He told me the bank will credit USD XXXX to me immediately and the back office will provide a final decision within three days. On Thursday morning, I received a email which says as result of researchs there was no deposit made to my account. They disputed the cash deposit for USD XXXX dollars. 
Please kindly review this case and investigate all recording videos on the ATM and the branch XXXX XXXX XXXX to ensure my statement is truly correct. While I was made this cash deposit as mentioned above, there are three witnesses beside me. Two of my friends from XXXX and one security guard on duty on XXXX XXXX morning at XXXX. Your kind attention and prompt assistance is highly appreciated.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

So I got a loan modification and XXXX from XXXX help me to do it it took a year to get my loan modification done I did n't miss a payment or was I late so tired of Rushmore so XXXX called me from Rushmore today to have me send more papers to them that me and XXXX have sent to them when my modification was done we talked to a manager and they said they had very thing they needed now they want more paper work from me that have already have sent to them when I made my last complaint and I sent out the papers work out again to day XX/XX/2017 I do n't know if I will ever get my statement from Rushmore my loan # is XXXX thank u so much XXXX someone need to fire a lot of people at Rushmore the customer service reps will not let u talk to a manager and if they do they put u on hold and then hang up on you and when u call back they do the same thing so please help if u can
Consumer complaint received 2023-05-23
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. (AL)

In accordance with the fair credit reporting act : XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX ; has violated my rights 15 U.S.C 1681 section 604A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My husband injured himself and went out of pay status at work and all the bills and responsibilities fell on me. We had no money saved for a situation like this, so we were literally living pay check to pay check. I was left to pay the rent {$2300.00}, car insurance {$250.00}, car note {$660.00}, light bill $ XXXX and other bills and groceries. Making sure my XXXX little ones get the necessities they need. In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (NY)

Ocwen Servicing Company LLC   XXXX   XXXX   XXXX   ...   XXXX   XXXX   XXXX   Florida ZIP code   XXXX   XXXX   XXXX   ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of   XXXX   XXXX   XXXX   companies foreclosure claims ... we have never even done business with   XXXX   XXXX   in any shape form or fashion ... on   XXXX   XXXX   XXXX   XXXX   we were told buy the   XXXX   XXXX   XXXX   that the case will be put on hold as requested by   XXXX   XXXX   pending investigation by the CFPB. Feel free to use our case in any way you like.
Consumer complaint received 2024-03-24
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. (IL)

XXXX, XXXX, and Transunion all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( 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.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my Experian credit report by XXXX points ) : Balance Decreased : XXXX XXXX XXXX account was closed - Between XX/XX/2023, and XX/XX/2023, your XXXX XXXX XXXX automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better. 

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my Experian credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-05-19
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. (MO)

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 XXXX U.S.C XXXX. 

Account name : XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX XXXX XXXX discharged DateXXXX. 

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, also states a consumer reporting agency can not furnish an 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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. (MD)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is my 2nd Complaint about the negligence of the Experian Credit Bureau and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the account which was erroneous and unverified. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want the Experian Credit Bureau to correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We were in a Federal Declared Disaster Area for Hurricane Irma. I heard by others that Mortgage companies were allowing home owners to put a " hold '' on their mortgage payments for 90 days. I called Wells Fargo in response to this and they said yes, they could hold the Mortgage payment for 90 days with no penalties, late fees or consumer reporting. I was also told that the payments that were missed would be moved to the end of the loan. After the 90 days, I resumed payment on the Mortgage and have made every payment on time. I have never missed or have I been late on a Mortgage payment. I thought it was great that Wells Fargo was going to help us get the repairs done that we needed. We also lost power for 1 full week so we lost all of our food and supplies that were in our refrigerator and freezer. We were unable to cook and we had to find somewhere else to stay during this time as it was 87 degrees inside of our house. I was quite surprised to receive a letter from Wells Fargo in XXXX in reference to the pending foreclosure on our property. My husband spoke to XXXX XXXX from Wells Fargo and he " suggested '' we do a loan modification. We are not interested in doing a loan modification at this time as we would like to sell within the next few years. After many lengthy conversations I ended up speaking with XXXX XXXX, a Supervisor who informed me that they could do a loan modification with only an inspection of our property and job verification. I decided that was doable just to put this whole thing to rest and move on with our lives. Last night I received an e-mail from XXXX stating that we would have to do a full modification because I stated that we were in the middle of a lawsuit and my " funds were being stifled ''. We are in a lawsuit and we are the Plaintiff. I never stated that my funds were being stifled and have not been late on any Mortgage payment. I feel this is Wells Fargo 's way of trying to hurt me, their customer for almost 10 years with our Mortgage. I also was under the impression that if you are in a FEDERALLY DECLARED DISASTER AREA, as we were, that Mortgage companies are not allowed to do this nonsense. This has caused me a lot of stress and I need a resolve to this.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (VA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2018-10-08
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. (GA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm filing this complaint against the credit bureau today because I am a victim of identity theft which I've submitted my identity theft affidavit from the FTC with the credit bureau. They're items on my credit report that I have disputed that has been removed except for the public records. The credit bureau are claiming to have verified the inaccurate information as accurate but when proof is requested of how and with whom I have yet to receive any documents. I have contact the creditor directly and they provided me with a letter stating they do not submit any information to the credit bureaus. So my question is to whom was the information verified with and why haven't I yet received any documents with my signature of this account??? Because the accounts has been verified as my account and I would like it removed. 
I'm uploading my dispute letter I mailed back in XXXX of this year along with my security freeze confirmation letter, and the letter I received from the courts house.