davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC (WA)

In general I am writing to complain about a lender ( XXXX XXXX, Branch Manager of the XXXX Wa Branch of Pacific Union Financial ) who has been dishonest, unscrupulous and misleading through this whole process. In XXXX I started a refi of my existing rental house to pull cash out to buy another rental. The lender from the start was trying to make me lie and say I was purchasing the new house to live in. He wanted me to create a bogus lease agreement of my personal residence to fool the underwriter. He also wanted me to falsify the lease agreement for the existing rental house. His intention was to try to get me a better rate. When I refused, he finally put together a loan app that was correct. On XX/XX/XXXX I was given a specific amount for cash out in the loan application. Our closing date was for XX/XX/XXXX to do the cash out refi and the purchase all at once. On XX/XX/XXXX I received the mortgage disclosure statements and the closing disclosure statements for both loans on the same day. The appraisals had been done weeks ago. I was never told that the loan was changing at any point. When I was going through the documents, the amount of the cash out had dropped by over {$10000.00}. I was shocked. I was never informed of this. The reasoning was apparently the house did not appraise for the amount he had originally put in the loan app. At no time did he ever tell me of this drastic difference. If I had known, I would never have done the refi. I would have simply obtained a line of credit. When I confronted him about this he refused to acknowledge the problem and just kept telling me I was demanding and rude. When I asked him again why there was a discrepancy ( on the day of closing ) he refused to answer saying he didn't know what I was talking about and persisted in arguing with me at how rude I was being.Totally unprofessional. I finally got a response from him later after the closing was complete but never a resolution as to why he didn't inform me so I could remedy the situation. Bottom line is he just wanted to get his fee and knew I would cancel the deal if I had known and had time to fix it.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Date : XX/XX/2018 XXXX : XXXX XXXX @ Portfolio Recovery called me. I had to say " Hello '' multiple times before she started talking. She wanted me to verify my info ( last 4 digits of my SSA # ) before she would tell me she's from Portfolio Recovery. I repeatedly told Portfolio Recovery to stop contacting me. They don't listen.

I repeatedly told them robo-calling is illegal and told them to cease and desist any future contact. They still continue to harrass me.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

Dear Agent, JPMC is retaliating against me because I complained to the CFPB. I wrote a complaint last week. This Monday, XXXX XXXX XXXX from Chase ( rep # XXXX ) called to tell me they are investigating the complaint. Today, Friday XX/XX/XXXX, I got a call from Chase telling me they are decreasing my personal credit card limit that I have with them from XXXX to XXXX. They did a " periodic review '' and determined because of this issue I have with their business card that is decreasing my personal credit score because of late payments. For three year now we have been paying on time and they never touched my other credit cards. Now they are decreasing my personal credit limit which further messes my credit card. There is no coincidence that after I complained to CFPB that they are doing dirty retaliation by making it much harder for me. I am seriously getting a lawyer, I'm going on social media, and news. This is not right!
Consumer complaint received 2023-03-21
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attachedXXXX XXXX XXXX XXXX XXXX Balance {$9500.00}
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-03-21
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. (WA)

In XXXX of 2020 I had one late payment for my loan through XXXX now Achieve. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
XXXX has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit with the fair Credit Reporting Act XXXX account # 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 an account without my written instructions.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES FROM CHILD SUPPORT LISTED BELOW ARE THE INACCURACIES, DELETE IMMEDIAATELY FROM MY CONSUMER REPORT. 


XXXX XXXX XXXX XXXX  XXXX $ STATUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REORTED ( XX/XX/XXXX ) ( TRANSUNION ). 

COUNTY OF XXXX XXXX BALANCE XXXX $ STAUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX ( INACCURATE ) BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) ( XXXX ).
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

We use XXXX to pay our credit card for us. It is wonderful, and we don't have to worry about our bill because they debit our checking account and pay off our credit card every week. It is fabulous. However, Capital One thinks this violates our privacy, even though we authorized XXXX to do this, and they have taken many steps to ensure our privacy and protection. We got this credit card with Capital One specifically for this purpose, to use with XXXX, and we will have to find another credit card if Capital One can't resolve this issue. Here is the letter we received from XXXX regarding the issue : " We are writing to you today to inform you of an issue with Capital One accounts on XXXX. We recently discovered that our bank connection partner that allows us to access your account balances is experiencing problems with their Capital One integration. 


This means that we wont be able to link new Capital One cards to XXXX and any Capital One cards you've already linked will not update with new transactions until this is resolved. Starting tomorrow, we'll pause all Capital One credit cards with XXXX, and if you are using a Capital One checking account we will disable automated withdrawals. We are also going to create extra payments for all Capital One credit cards to make sure any funds in your XXXX account are applied to your cards. 


Our engineering team is working hard to resolve this issue quickly although we dont have a timeline for a fix at this time. We apologize for this inconvenience and will let you know as soon as we have made significant progress and can reactivate these accounts for you. 


This news has been extremely disappointing to us here at XXXX, and we believe that Capital One is not being fair to their users who rely on them for financial products both large and small. We are encouraging all of ours users to contact Capital One and complain if you enjoy using XXXX and other finance apps. You can reach them : On XXXX : @ CapitalOne # protectdataaccess By Phone : XXXX You may also file a complaint with the Consumer Financial Protection Bureau : https : //www.consumerfinance.gov/ Sincerely, XXXX ''
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Since no XXXX Wells Fargo has charged me XXXX {$35.00} fees for overdraft. I dont understand, I am not signed up for overdraft protection for this reason. Wells Fargo is charging an excessive amount of fees that is jeopardizing my stability. The cfpb needs to step in for the consumer this bank is so ver charging for no reason. I was told that if there is no money then the transaction would not go through. I need my money back this is too much and this bank has customer service issues so getting a proper explanation and resolution has been imposible
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX I fell very ill, I defaulted on a Capital One personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, Capital one sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue Capital One and XXXX XXXX for what was being done to me. I called Capital One, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by Capital One or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Consumer complaint received 2018-05-16
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. (GA)

Equifax is reporting an account that was paid in full as a delinquent unpaid account. I paid XXXX XXXX XX/XX/2017 in the amount of {$70.00}. Equifax still has the account shown as open bad debt. According to the FCRA, credit bureaus are required to update accounts within 30 days of activity. The status of this account has caused me to be declined for other utilities.
Consumer complaint received 2022-03-05
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. (MS)

In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

They have a judgement on my report. It is not mine. Credit report file # XXXX I have call the court as well I have checked online nothing comes up i NEVER had a judgment against me. XXXX.do nothing comes up NO judgment. i have sent in a letter to equifax saying this is not mine and either remove it or show me proof that 's its mine. They sent me back a letter they validated it. They have not showed me proof even though i requested it in the letter. I called them and they say they can not show me. Either show me proof that its mine or take it off asap! If it is not taken off i will be suing them in court. For every single violation they have committed.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.XX/XX/XXXX and XXXX XXXX of XXXX violated the military lending act. I joined the military XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. Did you notice that she didnt investigate the MLA which was violated. I need to be compensated for all the damages that occurred. In the contract as a military member I was financed gap insurance. The Mapr needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( MAPR ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, savings association, or credit union. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. In addition to regulations, in XXXX the DoD issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. One question-and-answer in the XXXX  guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX   amendments mentioned above, the  DoD stated that the interpretation applied to secured motor vehicle loans, too. Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included GAP insurance would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % MAPR limitation, but also to the prohibition against securing the transaction with the vehicles title.
Consumer complaint received 2018-12-14
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. (CA)

XXXX and Experian show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
Consumer complaint received 2022-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-14
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. (CA)

XXXX  and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$240.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-06-07
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)

The following accounts are not mine and i need them to be removed from my 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX XXXX XXXX XXXX This is not mine 2. Identity Theft CAPITAL ONE BANK USA N XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX  XXXX This is not mine 4. Identity Theft XXXX  XXXX This is not mine
Consumer complaint received 2018-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

Last XX/XX/XXXX my ex husband was late on the car payment with XXXX XXXX XXXX XXXX, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XXXX. I still have to suffer because of his negligence even though we are no longer married. In XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with XXXX XXXX was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applied for a loan modification appeal on XX/XX/2022, 2 days later I was denied. I called to ask why, I was informed by Mr Cooper employee, if you apply for a loan mod appeal within 12 months it was an automatic denial, I was not told this at all, in fact I was told to appeal the decision by letters I received. Per the information on Mr cooper site and mailings they state a decision can take up to 30 days. how can they examine my financial and make a decision 2 days, when this process goes through many phase. I feel like I am being preyed on due to my age.