davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXXXXXX XXXX my grandson went to XXXX XXXX XXXX XXXX XXXX. and called me with the representative seeking for me for him to get a car. I told him I would not. The rep. and my grandson, without my authorization or knowledge and outside of my presence ( given I was working that day ) electronically signed the paperwork in my name and, upon information and belief, on a " wet copy '' forged my signature without my consent. The account and contract were assigned to CREDIT ACCEPTANCE CORP.. When I received a statement from Credit Acceptance Corp., I reached out to XXXX XXXX XXXX XXXX XXXX, they refused to do anything. I requested all the information from Credit Acceptance Corp. and they sent me a statement regarding how to deal with identity theft. I then went to the XXXX Police and a police report, and I also filed a police report with the XXXX County Sheriff 's Department. Credit Acceptance refuse to help me. So far, I have not received any justice.
Consumer complaint received 2022-01-03
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. (FL)

I have a closed/charged off account that keeps reporting current late payments but the account status is closed. This is a direct violation of my consumer rights. This misleading information permits me from not getting anything positive in my name and this information is also violating the FCRA Laws. Experian is reporting false information about me and out of respect for my consumer rights this account should be removed immediately or litigation will be involved. This XXXX XXXX  account was closed on XX/XX/2016, and charged off. Why is Experian reporting late payments, this is definitely false information and violating the FCRA. The other bureaus deleted this account because of the violations.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NC)

Contacted Discover twice regarding a fraudulent transaction from a XXXX XXXX XXXX on my credit card. Was decided twice on both investigations that it was a valid charge. I am legally not liable for fraudulent transactions on my account. The supporting documentation the merchant submitted showed my account number was compromised as it was manually entered, myself or the card were not present. The invoice for the transaction show 's a XXXX XXXX, an individual I do not know or have heard of. I do not understand how Discover could not only hold me liable for this transaction but also allow the charge to be processed without the correct billing information on the account. My name or correct address are not on any of the documents in reference to the charge in dispute. This is clearly fraud and I wish to have this investigated at the Executive level, its unethical and illegal.
Consumer complaint received 2023-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I had lost my job and fell behind on my payments. I asked the company for help during that time. They said I did not qualify for assistance, but instead, I had to pay a lump sum by XX/XX/XXXX. When I calculated the amount they said I had to pay by XX/XX/XXXX, it didn't add up to my current mortgage payments. I asked for a breakdown and they could not provide me with me. After the XXXX email from them, they said I was short on my escrow and now I have to pay more, which still does not equate to the amount they were claiming I would owe. Within this back and forth with the mortgage company, I was able to catch up on missed payments, but they are still increasing my mortgage payments and the amounts do not match based on escrow analysis from XX/XX/XXXX and the one they quickly processed recently.I just want the correct information because I now do not trust that they are accurately calculating the amounts on my account.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, my checking account that I've had for at least three years with Capital One Bank was frozen. I am a XXXX XXXXXXXX for XXXX. I file my taxes using my name and ssn. I applied for and was approved for the SBA Covid-19 Grant and Eidl Loan for my business. The amount frozen is approx $ XXXX. Capital One bank has since frozen the checking account and demanded that I send them my XXXX tax docs, and a bank statement showing either a tax refund or paying in taxes. 
I immediately emailed my XXXX Tax Return. I did not receive a tax refund because my AGI was negative, therefore there would be no other documentation that I would have other than perhaps a copy of

my 4506-T form. The bank says the SBA froze
my funds due to fraud? I have had numerous conversations with the SBA Tier 2 reps, and have been informed that the SBA has no issues with my grant and loan funding and that they were not aware that Capital One Bank has frozen the loan and grant proceeds. 
So this so-called fraud investigation, is something that Capital One Bank clearly is using to justify illegally seizing customer funds. Hoping to find a crime, where one does not exist. The way the bank is conducting business, is deserving of a Federal Investigation and Congressional Hearing.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

I submitted a dispute with Experian on XX/XX/XXXX stating that XXXX XXXX Acct # XXXX was past seven years from first date of delinquency. Experian sent me an email stating that all information was updated, I never received my result by mail and I did not ask for my results to be sent in an email. I have a report from XX/XX/XXXX showing first date of delinquency was in XX/XX/XXXX. I also have a report from XX/XX/XXXX that shows Experian removed the first date of delinquency that was previously reported in my XX/XX/XXXX report. Experian has violated my consumer rights. As of XX/XX/XXXX the XXXX  acct is still being furnished on my Experian credit report. Experian has violated 1681 ( a ), 1681c ( a ) ( 5 ), 1681e ( b ), 1681i ( 5 ) ( A ) ( i ), and 1681i ( 6 ) ( A ) of the FCRA.
Consumer complaint received 2021-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Accounts listed are fraudulent. Should not be reporting on my credit report. 
1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with many attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a many attempts were necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$530.00}.
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

PHH Mortgage has been demanding payment for my home. When requesting verification of this assignment of mortgage, fraudulent documents were submitted which did not match the note supplied from my original mortgage company and did not include our information leading me to believe they have falsified data. They are sending statements stating that the home will be submitted to a default/foreclosure department due to nonpayment but we have yet to receive the information. 
In addition, there have been 2 assignments recorded with our parish where our mortgage company supposedly assigned the property over to them TWICE. once in XXXX and again in XXXX When requesting a verification of mortgage in XX/XX/XXXX when serviced by Ocwen, a letter showing {$0.00} balance was submitted to us. Mers System also shows something totally different. 
We are asking that there be clarification and verification of this said mortgage along with these assignments.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2023-12-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MS)

Subject : Billing Error Notice and Civil Liability Claim Dear Navy Federal Credit Union, I sincerely hope this letter finds you well. I am writing to inform you about a billing error that I have recently identified in my Navy Federal Credit Union account. It has come to my attention that your institution has failed to comply with specific legal requirements, including [ 12 CFR 1026.13 ( A ) ( 1 ), 12 CFR 1002, 1002.2, 16 CFR 681.1, and 15 USC 1601 ]. As a result, I firmly believe that Navy Federal Credit Union is civilly liable to me under 15 USC 1640, 15 USC 1693 ( N ), and 15 USC 1691 ( D ) ( 6 ).

Upon reviewing my consumer report, I have discovered a mortgage transaction receipt dated XX/XX/XXXX which indicates that a transaction has taken place without my authority or knowledge. To the best of my understanding, I have not received any benefit from this transaction. Such actions are a clear violation of the aforementioned regulations and safeguards designed to protect consumers like myself. 

I kindly request that Navy Federal Credit Union undertakes a thorough investigation into this matter promptly. It is imperative to rectify this billing error as a matter of urgency. I am providing you with this formal notice, as required by law, explicitly referencing the violations of [ 12 CFR 1026.13 ( A ) ( 1 ), 12 CFR 1002, 1002.2, 16 CFR 681.1, and 15 USC 1601 ]. 

Attached herewith is supporting documentation that serves to highlight the discrepancy in my mortgage transaction. Additionally, I have outlined the specific provisions of the laws and regulations that Navy Federal Credit Union appears to have violated. 

I trust that Navy Federal Credit Union will treat this matter with the utmost importance and take immediate action to rectify the error. Please be reminded of the potential penalties that may be imposed upon creditors for non-compliance with their legal obligations under 15 USC 1640, 15 USC 1693 ( N ), and 15 USC 1691 ( D ) ( XXXX ). 

In accordance with the provisions of the aforementioned regulations, I intend to assert my rights and seek adequate compensation for any damages resulting from this violation. Therefore, I kindly request that Navy Federal Credit Union promptly address this issue and provide me with appropriate compensation for the inconvenience and potential harm caused to me and my public reputation. 

I genuinely value the importance of cooperative resolution and hope that Navy Federal Credit Union shares the same commitment to ethical and legal practices. I kindly request your immediate attention to this billing error notice and civil liability claim. 

Within 5 days, please provide an acknowledgment of receipt of this letter and keep me informed of any progress made towards resolving this issue. 

Thank you for your swift attention to this matter. I trust that Navy Federal Credit Union will make a diligent effort to achieve a satisfactory resolution.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

two of my student loans have been reported as 90 days or more late. they were not late. they were in and Income Driven repayment plan that had {$0.00} payment amount. I have included a copy of this and I have included a copy of all the times I have submitted a request to Federal Student loans to correct the information they are reporting. They are still currently being reported on my credit reports they are 30-90 days late.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (UT)

" NEW ISSUE '' Marking complaint as a duplicate is a crime, there are active police reports attached to this complaint, I have spoke already to the CFPB OMBUDSMAN in regards to this collection agency. Diversified Adjustment needs to be fined by the CFPB for all their willful violations. There is overwhelming complaints on the XXXX  and XXXX search reviews about this debt collector and judgements awarded against them as well after thorough research on them. This complaint will be the last before a formal complaint is filed in Third District court in XXXX XXXX for willful violations of not being incompliance of the law. Additionally Detective XXXX from the XXXX testimony will be provided to the courts as well if necessary. 

They have failed to provide their registered agent as this is needed to have a constable to serve them paperwork. They have failed to honor police reports XXXX XXXX, XXXX. They have marked numerous complaints as duplicates and continue to verify this debt anyways willfully. The other debt collector XXXX received notice from XXXX to pursue this debt. But immediately ceased all debt collection once they received these same documents. Diversified Adjustment has ignored all police reports and ID FTC reports and continued to break the law anyways.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time. 
The disputed items must be investigated and negative information must be removed from my credit history. 

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (IL)

In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff.

The Attorney Capital One obtained, Mandarich Law Group , LLP has not done their due diligence either. I never notification from them in attempt to collect a debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to request the removal or blocking of information from my credit file due to alleged identity theft, as I have been a victim of such theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove or block any accounts no later than four business days after receiving the previous letter. I have previously included this report in my correspondence, and I am including it again for your reference. This letter serves as a final warning that if you do not block or remove the listed accounts from my report, I will be compelled to initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for your deliberate noncompliance. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (MI)

On XX/XX/2021 Credit reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.