davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (SC)

XX/XX/XXXX I was behind I paid high late fees $ XXXX $ XXXX.supposed got loan caught up. Because of hurricane Florence in XX/XX/XXXX. Auto payment 's $ XXXX.interest rate 28 %, they said it's daily rate. But it supposed been annually rate. XX/XX/XXXX we paid $ XXXX.by due date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, paid $ XXXX.but they keep calling saying never got payment. Like always they sit on check, pertent it got lost. They due this few times to me. So I cancelled out check, then send USPS over nite, then they run other check. Trying to collect twice, and send other cheek through. XXXX XXXX XXXX XXXX XXXX, is not worth $ XXXX $ XXXX.after buying it, XX/XX/XXXX, from XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX, Utah . 5yr loan it's been XXXX making payments to American Credit Acceptance, never get credit for paying more on loan. I made way to many complaints to FTC, CFPB, XXXX, but as i sent information to the President last year these companies are not protecting the consumer like me.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i had a delinquent account with capital one credit card ending XXXX. They sold the account to XXXX XXXX XXXX  and settled this debt to a XXXX balance on XX/XX/2019. XXXX XXXX reported to the appropriate credit bureaus but capital one refuses to update my account and is costing me the ability to finance a house at this time. I have called them several times and they say they no longer own this account. I do understand this process but they still show as a negative mark on my credit report and is affectiing me greatly. All i want is for capital one to show the same activity as XXXX, as it is in regards to the same account.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

I  fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on   XXXX , 2017  that need to be cancelled
Consumer complaint received 2022-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (VA)

As XXXX XXXX veteran who has raised XXXX kids successfully and got a letter from President Obama and XXXX XXXX XXXX Obama through US Congresswoman XXXX XXXX, I have lived super honorably to support my young kids. To purchase something, credit utilization is very critical. Only thing most Americans cares is closing statement date, Navy federal credit union used to comply with me and my request, whenever I made a full payment to make credit utilization low ( zero ) on closing statement date, Navy federal updated and reflected on the same day to new statement ( closing statement date ). 

But, unfortunately, Navy federal credit union worker who is in charge of closing date statement has played with me and abused me for over weeks, Attached files indicated that I paid XXXX dollars in the credit card ending XXXX ( cash reward ) on XX/XX/XXXX to make credit utilization as XXXX before original closing date XX/XX/2022 but Navy federal credit union worker ****** ***** intentionally did not reflect on the new statement, the worker who is in charge of closing statement sent a message that they changed closing statement date to XX/XX/2022 without my consent and without considering my strong opposition. ( my opposition evidence is included in the attachment file of this case ). 
So I have waited to make a credit utilization XXXX until XX/XX/XXXX new closing statement date, based on the information they provided about closing statement date XX/XX/XXXX, I made a payment early morning XXXX dollars on XX/XX/2022. But in the middle of night, around XXXX pm on XX/XX/2022 ( which is not closing statement date ) Navy federal credit union worker posted closing date statement on XX/XX/2022 at XXXX. It broke the promise with me who is client and who has waited over weeks for a long time and work hard to make a payment for low credit utilization to purchase something very important for my kids in the near future.. 
Navy federal XXXX their client XXXX XXXX for over a month.. 
Navy federal credit union knows that how much important credit score and utilization for XXXX life and family. 

My supporters who are more than millions of XXXX, XXXX, XXXX Americans, all veterans who has served Americas freedom and I request Consumer financial protection bureau to instruct Navy federal credit union President/CEO to response to this urgent case ASAP. 


Best regards, Executed/Signed by The XXXX XXXX on XX/XX/2022 XXXX XXXX submitted XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) -XXXX bin number XXXX XXXX ( XXXX XXXX XXXX XXXX ) -XXXX Bin number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-03
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 rights. 

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

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Leopold & Associates, LLC (NY)

I was served with a complaint in a foreclosure case, Index # XXXX, on XX/XX/XXXX, which was in Supreme Court, XXXX XXXX, New York. 

That case was Voluntarily Discontinued by plaintiff XXXX XXXX XXXX XXXX XXXX, ( XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX reopened the case, XXXX # XXXX. A debt collector, Leopold & Associates, is the company designated to handle the case. 

In an earlier complaint I filed with your agency, the Consumer Financial Protection Bureau, ( CFPB ), against XXXX, which dealt with the Statute of Limitations, XXXX indicated that they were not the party involved in that matter, that I should take it up with " another company. '' This was a strong indication that they are not the plaintiff in the case, but they worded it in such a way that they did not clearly say this. 

This complaint against Leopold is an attempt to identify them as the owner of my Note. In the majority of cases, a debt collector buys the debt for pennies on the dollar and pursues collection for themselves. I believe this is true in my case.
Consumer complaint received 2022-04-03
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  Account XXXX XXXX ( Original creditor 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 

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

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (UT)

XX/XX/XXXX Crypto.com says use an authenticator to get my money, then rejects the authenticator codes. 
Crypto.com makes it impossible to get my money returned. They never answer my inquiries. 
I believe crypto.com purposely makes it impossible to get your money. This is a way they can keep your money
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi, I have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On or about XX/XX/2010, Capital One and there Agent Attorney XXXX XXXX XXXX, filed a fraudulent case against me without giving me any NOTICE of the alleged debt. I was never served. The case set on Maryland XXXX for XXXX YEARS and then the submitted and Affidavit Judgment. I have never received any notice and was never served. Why did the case just set on Maryland docket without any activity? This is fraud and i request an investigation into this matter.
Consumer complaint received 2016-09-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Dear CFPB ; We are requesting your assistance with a formal complaint against Wells Fargo Mortgage 's unlawful business practices who have successfully foreclosed our modular home of sixteen years. XXXX while XXXX we were victims WF 's Predatory Mortgage Servicing practices by almost doubling my home payment. XXXX The OCC managed this action under the Independent Foreclosure Review Settlement and we were awarded in ( XXXX ) the home back in my name and ( XXXX XXXX ) {$2000.00} dollars. However, it appears Wells Fargo believes they can undo the description of the order or compensation. We however, believe oversight and direction is required from the CFPB before they consider removing my family from our home. Presently, we have just received a letter legal representation from the XXXX in XXXX, North Carolina stating we are to vacate the premises. The XXXX foreclosure was in XXXX while XXXX with the XXXX XXXX in the XXXX XXXX region and the XXXX XXXX XXXX XXXX. Recently, the Department of Justice found WF financially liable for selling my home while XXXX in the amount of {$11000.00} dollars. We have provided CFPB with the most up to date information and we are actively seeking legal representation. As a member in the XXXX my time is very limited and often away from my family. So we are absolutely requesting the very best from your organization. We do n't expect special treatment and or privilege as with our past complaint for SCRA protection during the CFPB assistance process. We are asking CFPB to submit our complaint to Wells Fargo why they undoing a settlement agreement. Moving forward once they reply to CFPB, we will gladly provide further details from their very own documents demonstrating unlawful business practices. Your dedicated assistance with this matter is greatly appreciated, as we look forward to your reply ... XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I was contacted by a company saying they are XXXX and that my computer was compromised. I allowed them to access my computer which is a XXXX  XXXX. Sitting there, I was watching them copy files from my computer and realized I was being hacked. I immediately stopped the incident. I then contacted XXXX and they confirmed it was not them who contacted me. 

In XX/XX/XXXX is when the first charge to my Chase XXXX XXXX # XXXX was made against my card. Charges of {$390.00} and many similar charges wree made to my card of which I was not aware for many months that this was happening since I had paperpless statements and was not receiving any paper mailings.The fraudulent charges continued until XX/XX/XXXX. 

I contacted Chase to let them know what was going on and disputed the charges. They did their investigation, cleared the charges and then months later reinstated the charges back on. I'm now responsible to pay these erroneous charges. Most of the charges were to an XXXX dating service. 

My credit has been horribly impacted by this and I have not been able to refinance my home due to Chase not believing these charges are not mine. 

I filed a Police Report ( Report # XXXX XXXX dated XX/XX/XXXX
Consumer complaint received 2022-11-06
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. (AL)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate suggesting the disputed accounts were verified and they belong to me. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are not accurate. Account Name : US Department of Education - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

Td bank use a auto dialer to contact me multiple times a day about my closed account and my secured credit card as per ftc, fcc also As per section 47 CFR 64.1200 ( A ) ( 1 ) THE USE OF AUTO DIALER MAY ONLY CONTACT A PERSON HOME PHONE AND NOT A CELLULAR PHONE DEVICE TD bank did not have my written or oral promission to contact me by this way they have call me several times a day all different times a day I do have my cellphone records and if my request is not granted I'll be force to file a complaint against td bank by court with the help of a attorney I would like to only be contact by email by the response of td bank
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blue Sky Capital Realty, Inc. (PA)

Hey snice 2020 paper work telling me its a lot old to me file claims on hold snice 2020 before they even shut down the pua site they I file for unemployment same thing no funds send out to my account at all
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024, I deposited a check for {$30000.00} from my client, XXXX XXXX, drawn on her XXXX XXXX XXXXXXXX account ( # XXXX ), into my business account at Chase ( Account # ( XXXX ). Despite receiving confirmation that the funds were debited from the client 's account, Chase placed a XXXX hold on these funds. The hold has caused significant inconvenience, including the failure of scheduled automatic payments and overdraft fees. 
I have repeatedly communicated with Chase, providing all necessary documentation, including proof that the funds have been cleared by XXXX XXXX XXXXXXXX. Despite these efforts, Chase has refused to release the funds or provide a reasonable explanation for the hold. 
Here are the key points of my complaint : The funds were debited from the client 's XXXX XXXX XXXX account on XX/XX/2024, as confirmed by documentation provided by the client. 
Chase placed an unwarranted XXXX hold on these funds, which is excessive and unjustified given the circumstances. 

The delay has caused significant disruption to my business operations, including missed payments and potential damage to my business reputation. 
I have provided Chase with all necessary documentation, yet they have not taken any corrective action. 
Enclosed with this letter are copies of all relevant documents, including : The deposited check and its details. 
Proof of funds being debited from the client 's account. 
Correspondence with Chase, including my letters and their responses.
Consumer complaint received 2022-04-04
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. (MO)

in accordance 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 a account without my written instructions
Consumer complaint received 2022-04-04
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. (NC)

I have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act 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.
Consumer complaint received 2021-02-15
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: ENCORE CAPITAL GROUP INC. (CA)

This is my second complaint against MCM. How many do I have to file before something get done? The first one I was told to call XXXX XXXX XXXX XXXX., " your accounts have been referred to a XXXX XXXX XXXX XXXX. Please call them at ( XXXX ) XXXX ext. XXXX to assist in reaching a resolution of your account balances '' Well I did call like they stated and of course I got the run around AGAIN. Why? So now I have spend my time doing another complaint against them. 
When I call I get told that I have to transfer to another department why? when I was told to call that number to resolve my issues. I feel they are playing games with me. This is so unprofessional and rude all at the same time.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for Equifax and reporting a zero balance for XXXX which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2022-04-04
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: TRANSWORLD SYSTEMS INC (OH)

Trans World collection XXXX is reporting a medical debt on my credit file. {XXXX} for services from XX/XX/XXXX. Ive asked twice for documents verifying that this debt belongs to me. 
I sent a certified letter on XX/XX/XXXX asking for complete documentation on services performed and my signature agreeing to these terms. No response has been given. 
This reports on XXXX, XXXX, XXXX credit files.
Consumer complaint received 2018-06-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I had my mortgage with XXXX until XX/XX/2018 when it was sold to PennyMac.. I  got a letter from both companies and was told I did not need to do anything but change payment to new company. Then I get a letter from PennyMac XX/XX/XXXX saying I did not have homeowners insurance and I needed to send proof I have it and if not they would get insurance and I would have to pay. 
Then I get a letter from XXXX XXXX my insurance carrier saying that they had tried unsuccessfully twice to contact PennyMac and they would not reply. Penny Mac Maliciously tried to get me to pay for a bogus insurance they have. This was a threat and a scam. I have never been late paying anything and PennyMac is a unprofessional mortgage company.