davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

Professional Adjustment Corp. Of XXXX. FL., IncXXXX are the worst company ever, underhanded and not at all repeatable! 
I made arrangement to pay them on the XX/XX/XXXX and there were sent a copy of the check dated for XX/XX/XXXX. They immediately create a draft check on XX/XX/XXXX and took funds prior to they were available.This caused an insufficiency in our Bank account and this is FRAUD. I want to make sure that this never happens to anyone else. I will find ever place to post this experience with Professional Adjustment Corp. Of XXXX. FL., Inc.. Both posting on the internet and to the BBB. I am totally discussed with the creditability of Professional Adjustment Corp. Of XXXX. FL., Inc..
Consumer complaint received 2018-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

There are 2 hard inquires from Capital One on my credit report. First one is XX/XX/XXXX. Institution on my report Cap One XXXX XXXX XXXX, UT XXXX, phone no. ( XXXX ) XXXX. Second hard inquiry was on XX/XX/XXXX. I have not applied for anything with Capital One or affiliated with them. I do not have a card or account with them, this is concerning hard inquires.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX a XXXX account was opened without my knowledge and is fraudulent XXXX XXXX  XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX  a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name
Consumer complaint received 2018-03-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

I was contacted by LoanDepot.com , LLC and advised that I could refinance my VA loan with no cost to me. The representative went on to say that it is like contacting the bank and simply negotiating the interest rate down through a new streamline refinance program available to veterans. When I was uneasy about considering an adjustable ARM, he went on to say that if the rate goes up, I can simply use the streamline program to refi again. He even thanked me for my commitment and service, which, reflecting back, sickens me to think they boost up veterans like this only to take their money. The representative sent a link to the financial documents and all we had to do was review and accept them and they would process the loan. While reviewing the documents, which were received on XX/XX/2018, I noted that they tacked on almost {$15000.00} in fees and closing costs. I called the loan officer, XXXX XXXX XXXX  ( NMLS : XXXX ) and inquired about the additional cost. Like a good actor, he told me that he would need to get with the other representative ( XXXX? ) because something was not done correctly. He went as far as to state that " we can not include additional fees onto VA loans. '' XXXX XXXX  called back onXX/XX/XXXX. stating he fixed the fees and wanted to go over the documents on the phone vice doing it online as before. I was at an engagement so I called him back on the morning of XX/XX/XXXX. While reviewing the loan proposal, I noted there were no fees ; however, the loan amount was for {$240000.00} and I only needed {$230000.00} to refinance. When I told XXXX XXXX that I was not borrowing an additional {$13000.00} and that I just wanted to refinance under the original terms we discussed, he finally told me that the deal is that there is " no out of pocket, '' but that there would be additional charges. I told him that his company was being flat out dishonest to consumers and that I would not do business with them. He actually agreed that the other loan officer was dishonest with us. I can't imagine how many retired military members get suckered in to these scams and it should not be legal. The loan number is XXXX  and they did send me a loan package after the fact, which I can provide. I think they only sent me the loan docs to cover themselves since I told them I was reporting their tactics to the FTC. I am also available to answer any other questions you may have.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (UT)

We have been having problems with the XXXX XXXX XXXX online payment system and now with their credit reporting department. 

XXXX 's online system was broken/unavailable/ had issues, that resulted in a possible late payment of our card in XX/XX/XXXX. 

We called in XX/XX/XXXX ( applying for a mortgage and checked the report ) have requested that they correct our report reflecting timely payment, since it was their fault since their online system is broken even as of today. 

The CS rep for the credit card was rude to me and very aggressive. She was impolite and spoke very harshly with me as if she was doing favour to me just by speaking to me.

We feel that it is improper and irresponsible that they deal with us in this way despite us being good customers with an impeccable credit record ( we don't have any other late payments ever in our reports ). 

This has happened solely because of the unavailability of their online systems for payment. 

We request that customers using their credit card be aware that their systems have not been fixed in the last one year, and be aware that their response is rude, very unhelpful and callous. Hope that our experience with them serves as a rude awakening to customers using XXXX XXXX XXXX card. 

We request that the CFPB look into this matter for an amicable resolution and prevent such occurrences to help consumers.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MI)

Thank you for reading this email and hopefully you can assist me in this area. I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX, which are serviced by American Education Services disbursed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These loans total approximately {$25.00} and I have been trying real hard since I retired in XXXX of XXXX to continue to make these monthly payments. Unfortunately I have run into financial difficulty, now on a fixed income and have called A.E.S.to arrange a lower payments. I was informed that I have to write letters to the lenders of these loans, which was completed asking both lenders to lower the monthly payments. I received replies of " unable to grant your request '' from both lenders. I again called A.E.S. again to find additional solutions and they tried to get me a " Modified Graduated Repayment Schedule '', which also was denied. I have run into a brick wall with this situation. I have offered to make lessor monthly payments to continue to pay something on these loans where the extra money will assist me with my mortgage payments. The only option they offered was a 'Hardship ' for one ( 1 )  year, which to me does not help the issue much, and to re-finance the loans for 25 years. I ask for help and guidance in this matter and look forward to addressing my concerns about how we as a Country struggle with defaulted student loans when the lenders of these type of loans fail to help the borrowers when in need. Again I look forward in talking with someone from your office.
Consumer complaint received 2018-03-28
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: Experian Information Solutions Inc. (TX)

I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX XXXX XXXX and XXXX XXXX XXXX , and XXXX XXXX
Consumer complaint received 2018-03-28
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: DISCOVER BANK (NY)

XX/XX/2018 I am being hit with 2 Hard Inquiry 's from discover card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.
Consumer complaint received 2018-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

My homeowner 's insurance premium is included with my monthly mortgage payment. The servicer has not paid the annual premium for the last 2 years. XXXX XXXX has records that the annual premium notice was sent 30 days prior to the renewal due date. The servicer lets the insurance cancel then the servicer adds force-placed insurance and makes me pay the premium. In the meantime I spend hours on the phone trying to get this straight. The money to pay the premium is in escrow. My premium is {$710.00} a year. The force placed insurance is {$80.00} a month and once the XXXX XXXX premium is paid there is no refund for the force placed insurance. 
Alabama Housing Finance Authorities DBA as XXXX. Address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX Phone XXXX
Consumer complaint received 2018-03-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Previous complaint closed without resolution. Initially I filed a complaint against California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for fraudulently filing my XX/XX/2017 income tax return. These returns were filed without a CA check cashing employee asking for or requesting consumer deductions, without disclosures of fee ( s ) and without a signed authorization. I am still unsure if the funds have been processed and received.

Upon company 's response ( blatantly telling lies about consumer signing consent ) CFBP closed the case. I have completed feedback that there is NO resolution for this closed case file. It appears to me that it is simple to address this issue for me. I did not authorize verbally or with a signature for this company to file my income taxes. They state that I signed authorization. To see the truth, the company simply need to supply that signature, which I know that they don't have. 

This is not about customer service, this is about a consumer being robbed of her hard earned money. This complaint is being filed because California Check Cashing Stores knowingly gave false information to the CFPB regarding complaint filed. Someone should and need to be held accountable so that other unknowing customers are not duked into services by California Check Cashers. Plus, I want my money, can you at least assist with that. Should CA check cashers pay for fees associated with unlawfully filing of income tax return? Should CA check cashers have the authority to use unauthorized accounts? Are they not held responsible for the actions of its employees? Please assist with the next step of this nightmare.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, A Bank of America Credit Card was opened under my Social, name, identity, etc. on XX/XX/2018. This was made aware to me by XXXX XXXX stating that a Bank of America Credit Card was opened. I have never had an account with Bank of America, whether checkings, savings, money market, or credit card. Please have this removed from my account and social. 

Thank you, XXXX XXXX
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (PA)

Re : Loan Re-modification letter and contract approved XX/XX/XXXX Subject : Significant questions regarding our loan re-modification contract My wife and I complied with the terms of the trial period modification and made all payments from XXXX thru XX/XX/2018. On XX/XX/XXXX, we received a loan modification agreement from Seterus to review and sign. 
I called the number that Seterus provided ( XXXX ) on XX/XX/XXXX to obtain answers to some significant questions that my wife and I have with this agreement. 
My call was answered by XXXX XXXX, an agent from the call center in North Carolina. XXXX was unable to answer my questions so I asked to speak to a loss mitigation representative. She told me that the loss mitigation representatives do not talk directly to customers. 
XXXX then told me that I needed to document my questions and fax them to the Correspondence Department for answers and that they normally take 30 days to respond. 
I advised XXXX that I must return the signed agreement by XX/XX/XXXX and that I need these questions answered prior to submitting a signed contract and could not wait for a response from the Correspondence Department. 
I then asked XXXX to escalate and that I wanted to speak to her supervisor/manager. XXXX stated that her supervisor, XXXX XXXX, was busy with another customer but would contact me the following day ( XX/XX/XXXX ). 
I documented my questions and faxed them to the Correspondence Department with the number she provided. I never received a call from XXXX XXXX on XX/XX/XXXX. 
My current maturity date is in twelve years and the agreement from Seterus is an extension for 40 years. I would like to know why we were not offered any other options other than this term extension.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

We had XXXX XXXX. Due to service issues and consistently inaccurate bills with charges that were not as agreed, we cancelled service. We returned all equipment. In early 2017 we were contacted by a collection agency stating we owed {$140.00} to XXXX XXXX. We disputed this debt as we had not only returned our equipment but we had prepaid for services that were cancelled and not refunded, yet they proceeded to file a collection activity on my credit report. 

We were unable to remedy the situation with XXXX or the collection agency and filed a report with the CFPB in XX/XX/ 2017. The collection agency was unable to verify the debt with XXXX and deleted the error from my credit report. 
Last month I received a call from a new collection agency Southwest credit systems that a debt of {$140.00} from XXXX had been placed with them. I explained this matter was already resolved and XXXX could not produce documentation that it was a valid debt. I told them I was disputing the validity of the debt and of the sequence of events listed above. I asked them to send documentation it was a valid debt. I never heard from them again. Today, I was alerted that they placed a collection on my credit report for {$140.00} due to XXXX. 

Obviously, this debt is not valid and has already been proven as invalid and deleted from my report once. This was explained to south west credit systems yet they proceeded and are damaging my credit. I want the item deleted from my report immediately.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IL)

In XX/XX/XXXX I applied for a small personal loan to consolidate my debt but was denied due to a collection placed on my XXXX Credit Report. The issue is not only am i know the responsible party but I never even received the bill because the collection notices were being sent to an address that I haven't lived in in over a decade. 

Additionally, this bill was to be paid by my attorneys office on my behalf due to a car accident that I was involved in over 2 years ago. I made the collection agency aware of this when I first discovered the issue. All collection attempts were to go through his firm and not myself. 

XX/XX/XXXX I applied for a small furniture loan in which I was denied because the inquiry still wasn't removed from my report at which time I reached out to my attorneys office and was told that they were working on the issue. At this point, the collection agency refused to talk to me about my issue because I was being represented by an attorney. 

We are now approaching XX/XX/XXXX and we aren't any closer to getting this resolved and I cant refinance my loan on my home because of this inquiry. I am devastated and have been unable to sleep for months! According to my attorney, I sworn officer of the court, his office has requested a verified bill from them to submit payment " many, many times '' but to know avail. ( See attached emails. ) On XX/XX/XXXX, in a desperate attempt to get this matter resolved immediately, I relieved my attorney of his duties so I can deal with this matter directly since my life is being affected so drastically. 

After doing so, I asked if I can resolve this issue by making a payment and have the collection removed from my credit report immediately since I, nor my attorneys office was made aware of the bill in a timely manner. I was denied this right, thus, prompting my complaint.
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have been paying my loans on time every month for 10 years. My loans were consolidated with Navient ( then XXXX XXXX ) in XX/XX/XXXXor XX/XX/XXXX, before the PSLF program was started. I work for a Qualifying XXXX and have for more than 10 years. Many, many years ago after the PSLF came out, I called Navient/XXXX XXXX to discuss PSLF. I was advised to continue to make my ontime payments and more information would be given to me as the details emerged. In the past few months, I have found out that my loans through Navient do not qualify for PSLF. 

I have had opportunities over the year to move into for-profit work making 1.5 or 2x my salary. I did not take these jobs thinking that the lower pay was worth it now that I would be getting my loans forgiven. 

I just tried to talk with the company again who basically told me I would have to re-consolidate with Direct loans and start all over. I would have done this at any point over the last 10 years had I known that I would not be eligible. Navient has bad business practices and should be held accountable for the inaccurate information given by their call center representatives.
Consumer complaint received 2018-03-28
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. (WI)

I tried to dispute two accounts that I closed and update balances on existing accounts, Equifaxs online dispute does not allow me access although I enter all my information and answer their verification questions correctly. I closed my XXXX XXXX, XXXX and one XXXX Account. XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Master Card all have a {$0.00} balance. My other XXXX credit card has a balance of {$52.00}. It extremely frustrating to try to dispute or even contact Equifax, as they either dont investigate or update accounts properly, or make it nearly impossible for consumers to contact them. And because the outsource their customer service dept is a struggle to comunicate property and convey information