davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX valued at about {$16000.00} with XXXX miles was loan from XXXX XXXX and financed by The Hunington National Bank. The vehicle was marketed through deception by the sales associates at the XXXX XXXX XXXX. I test drove the vehicle for less than three minutes and was convinced by the sales associate that the vehicle was in a very good condition. I left the dealership with the vehicle at about XXXX XXXX on Wednesday XX/XX/XXXX and noticed that the transmission was bad. In less than an hour on the highway, I experienced trouble with the transmission. I immediately notified the dealer and the bank of the vehicle 's transmission problem. 

On the following, Thursday XX/XX/XXXX, the vehicle became undriveable and was towed in to the dealer for transmission problem. The dealer did confirm that the vehicle has transmission issue. At this point, I asked the bank to let me out of the bad deal because I sold the vehicle was sold under deception. The bank refused to let me off the auto loan claiming that I had already signed the agreement. I drove the vehicle for less than 24 hours when the transmission went bad. The vehicle was repossessed by the bank and auctioned for less than its value. 

The bank failed to notify me about the vehicle sale. I was only notified by mail that I have a balance on the auto loan of about {$5000.00}, which is been reported to all three major credit bureaus. I have contacted the bank on several occasions to remove the balance on my credit report. This negative report on my credit has caused enormous financial hardship that I am unable to get another auto loan. I implore the timely intervention of this agency to resolve this issue by removing the negative report on my credit file with all three major credit bureaus.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a auto-pay account with Capital One { ne of several accounts with Capital One } account that I have a problem with ends in XXXX. I open this account awhile ago and did not make any for about 2 years. Balance due on XXXX, XXXX, 2020 was {$2600.00}. On the XXXX, statement Capital One claimed I owed a additional {$8100.00}, I called several times and could not understand how the payments could be that high since I made no purchases, Capital One now wants {$520.00}. My credit has been ruined.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a credit fraud alert on my account. Credit is still being ran and inquiries are being made om my report without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
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 filed a dispute with Equifax on XXXX XXXX XXXX. I requested that the debt be validated and ownership of the debt be proved. I have a right to seek these 2 things under the Fair credit reporting act. Equifax ruled in favor of XXXX XXXX. Equifax or XXXX XXXX have yet to provide proof of this debt ( debt validation ) or ownership of this debt by XXXX XXXX XXXX. I filed a fraud complaint against XXXX XXXX XXXX with the SC Attorney Generals office. I submitted in my complaint the information that XXXX XXXX XXXX and Equifax have used to claim this is a valid debt. The SC attorney Genrals office agreed with me that the information supplied by Equifax and XXXX XXXX XXXX does not meet the legal requirement of debt validation nor has XXXX XXXX XXXX provided legal proof of ownership of this debt. XXXX XXXX XXXX is currently under investigation by the SC Attorney Generals Office for fraud. Here is the investigation # XXXX. XXXX XXXX XXXX has numerous complaints for making up fraudulent debts and submitting them to Equifax to scam people into paying these fake debts. I want Equifax to provide me with legal proof that this debt exist. The SC Attorney Generals office has went on record and said the documents so far that Equifax and XXXX have provided me do not meet the legal requirement for debt validation or debt ownership. I want to see the information Equifax used to rule in favor of XXXX XXXX in my dispute. Equifax is knowingly allowing XXXX XXXX XXXX to commit fraudulent acts. The CFPB is allowing Equifax and XXXX XXXX XXXX to continue to commit these fradulent acts, The attached document that Equifax supplied that they claim validates this debt and ownership of this debt by XXXX XXXX XXXX does not even meeet the standard of teh CFPB for debt validation and ownership yet the CFPB refuses to take action against Equifax and XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-08-12
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)

This item is not mine and I do not have nothing in common with this account. ITs not mine and I d not want to see this item in my credit report. I do not recognize it and suddenly it appeared in my profile. I ask you to investigate howcome I have it in my profile. And who could use my personal data. And of course remove it after you check.
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

The company in question with my VA Loan is Carrington Mortgage Services. My existing VA Loan was sold to this company. I started payment with them XX/XX/XXXX. This company has so many fees and they have made it difficult to send payment to them without assessing a service fee on top of the mortgage payments. Their is a service fee to pay online with Carrington, a service fee to pay over the phone. This company should not be allowed to service veterans with VA Loans as they are stealing money from veterans when we make payments. This is a practice that is disgusting. How can I pay my mortgage without them also charging me for sending them a payment. This is asinine.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

XXXX  refuses to delete a negative item even though the company has sent me a letter stating they have ceased collection against me. The company National Credit Adjust can not provide written proof the collection is mine. Therefore, they have ceased collections against me. It is against the law to report the debt when they can not provide written proff it belongs to me. I have disputed the collection of XXXX on XX/XX/2020 and sent XXXX  the letter that states the company is ceasing collection. Nonetheless, National Credit Adjusters fraudulently keeps validating the debt dispit not having proof of ownership for me.
Consumer complaint received 2021-08-13
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. (MD)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Consumer complaint received 2021-08-13
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: Credit Technologies, Inc. (CA)

I have seen unauthorized items on my credit report that I did not authorize this is a form of identity theft someone is applying for things in my name can you please resolve this issue. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 CREDIT TECH XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mitsubishi Motors North America, Inc. (TX)

Signed a Lease for a Mitsubishi Outlander Sport in 2015. The vehicle was for a personal use. After returned the vehicle, MMCA started charging me for Property Taxes. The county I live in Texas ( XXXX ) does charge for property taxes on leased vehicles used for commercial purposes. I never agreed in paying such taxes as vehicle was being used for personal purposes. On XX/XX/XXXX the payment went delinquent to a collection company and a derogatory mark was put on my credit report. I contacted the dealership where I signed the lease and the Sales Manager provided me with a copy of the Affidavit I signed in XX/XX/XXXX  indicating vehicle was being used for personal uses, this affidavit is required by the county so they would not assess property taxes. Problem is that this document never made to the county which in turn, and rightfully so, charged taxes. MMCA failed in ending the document back to the county which not only caused me a huge inconvenience with all the harassment to pay something I was not supposed to but also generated a delinquent payment and a derogatory mark on my credit incorrectly. The affidavit is attached.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I am writing to dispute the following information that kohls has reported wrong kohls shows that they closed a old account that shows up twice on my report with different amount and dates. i have contacted the company and tried to resolve and they told me i would have to contact the credit bureaus which i did and was told i have to contact the collection company and I did to be told i have to have kohls sent the collections a letter. i have been going back and fourth with this for a very long time. 
I have sent letter to kohls and no one has got back to me. 
this is ruind my credit report.
Consumer complaint received 2021-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I'm am sending a complaint because my student loans have been sold 6 times between lenders for 20 years. I inquired about the legality of my loans being sold without my permission and no one has responded the loans went from Sallie Mae, to XXXX, to another one, and then to Navient who spiked the rates and the fees. My loans went from $ XXXX to $ XXXX. In addition, I filed a complaint about XXXX XXXX  for fraudulent charges for courses and years I was no longer enrolled with the school. It was a tuition mill. When I called and asked for transcripts, I was never contact and that was a year and a half ago. Currently I have an excessive amount of loans that I don't have the original amount for. This is insane the charges etc. Please help.
Consumer complaint received 2021-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I initiated a dispute with Transunion because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and TransUnion and XXXX reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ XXXX XXXX that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting XXXX XXXX and dealing with credit balances and payment inaccuracies since XX/XX/2021 with XXXX XXXX. I pay my balances every month. I am tired of being XXXX  by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commiss

ion ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-03-25
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. (PA)

This company is sharing non public personal information about my relationship with non affiliates in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I am an authorized third party, representing borrower XXXX XXXX, owners of XXXX XXXX XXXX, XXXX, Illinois XXXX. I am mediating a short sale, under the supervision of attorney XXXX XXXX, for Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. I have made 4 requests for a copy of the valuation report : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, with the last 3 requests asserting Ms. XXXX 's right to the appraisal, providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. XXXX ] RIN XXXX Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B. ) I pointed both Mr. Cooper and XXXX 's employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports. On XX/XX/2021, Mr. Coopers rep reported management decided short sales borrowers were excluded from the regulation, even though I specifically highlighted the findings on page 27 of the regulation stating otherwise. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper is withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyer at risk to Ms. XXXX family of losing a true fair market value offer for their property. 
XXXX This is the second time I have had to file this exact complaint against Mr. Cooper. The last ( # XXXX ) resulted in Mr. Cooper complying. Because of this fact, I am asking for more strict penalty against Mr. Cooper for their persistent disregard for the regulation.