davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I have TRUIST debit card that was fraudulently used by several companies. Bank refuses to return the money. They say they will investigate but they have not even called me to ask any questions. I filed the complain in one of the bank branches and I have been back several times. I was out of country on a cruise XXXX so I could not have charged anything in those days. 


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 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 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
Consumer complaint received 2023-11-13
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: Mobiloans, LLC (CA)

I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (IL)

I, XXXX XXXX XXXX is writing you to complaint about my identity theft. 
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ), 16 C.F.R. EQUIFAX, XXXX, AND XXXX USES FOREIGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhard V. graven ( Mo ) 281 SW 715,719. I presume that no proof of the alleged debt, in fact therefore exist. Per the fair credit reporting Act, Section 611 ( a ) ( 5 ), you have 30days to investigate disputes. If you can not verify the information within 30-day time period, you must delete all the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Violations of 15 USC 6508 15 USC 6802 15 USC 6805 15 USC 1681B The reporting of late payments. Violation of the Privacy act of 1974 The Education and Privacy act of 1974 UNAUTHORIZED INQUIRES ON XXXX, XXXX AND EQUIFAX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AZ)

I been behind on my house payment, I having issues to catch up my payment I been over paying on my car insurance, the gas car and the food expenses, I really try to catch my payments, but is hard, I am a single mom I have a good job, but for some reasons I been struggle with my payments I almost caching up, but I having more expensive, and is been realy stressful for me.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One hired XXXX XXXX XXXX to repossess my vehicle. Capital One violated me by now providing a letter or rescission which is a violation of 15 USC 1635a. 15 USC 1605 was also violated because the insurance was never included into the finance charge, I was made to obtain insurance before I left the car dealership. Once I provided my social security number and signed the application Capital One was supposed to provide a check to me for the total amount of the consumer credit transaction ( according to the definition of a purchase money loan in 16 CFR 433.1 ). I provided the security and it was supposed to be accepted with the debt in exchange for the good or service according to the National Banking Act 1863
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I bought a duplex owner occupied though wells fargo using a conventional loan. when the market dropped I refinanced the loan through a government streamline program to a 15 year loan. so when I hit the government mandated 78 % loan to value the private mortgage insurance should have automatically dropped. It didn't. I now have 62 % loan to value and still paying mortgage insurance.
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar Mortgage owes me surplus escrow from XX/XX/XXXX.They are charging me escrow in XX/XX/XXXX. I have paid my insurance for the year directly with the carrier. 
Attached are coverage for the years they dispute that I had insurance and copy of insurance paid.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Hello, my name is XXXX XXXX. I am writing this complaint in my capacity as a federally protected consumer to formally lodge a complaint against Caine & Weiner regarding their collection practices related to account number XXXX. I wish to bring to your attention the abusive, deceptive, and unfair tactics that have been employed in the process of collecting extensions of credit. 

It has come to my attention that there might be a conspiracy between Caine & Weiner and certain consumer reporting agencies to restrain trade and commerce through unjust practices. These actions have raised concerns about potential racketeering activities involving this debt collection agency. 

At no point have I granted authorization for Caine & Weiner to possess my nonpublic personal information. Furthermore, I disavow any purported agreement or contract between myself, the consumer, and the original creditor, whether explicitly stated or implied. I must emphasize that the account in question is a result of a billing error. 

I am deeply troubled by the tactics employed by Caine & Weiner, which appear to be in violation of the False Claims Act. These practices are not only jeopardizing my consumer credit reputation with other financial institutions but are also raising concerns about the legitimacy of the alleged debt that has been presented to coerce payment. It is important to note that any payments made or contemplated in the future are solely due to the undue influence, threat, duress, and coercion that have been applied. 

As stipulated in XXXX XXXX XXXX XXXX ( c ), I am asserting my legal right to refuse payment of this debt. I hereby demand an immediate cease and desist of all illegal activities, communication, and collection endeavors associated with this and any alleged debts until such time as Caine & Weiner can provide sufficient documented evidence that I bear a legitimate legal obligation to remit payment. Should this evidence be unavailable and Caine & Weiner persists in their collection efforts, I am prepared to initiate legal proceedings to seek reparations for the actual damages incurred. 

This letter serves as a formal notice of my intentions. Caine & Weiner 's actions may potentially lead to litigation for violations of various acts, including but not limited to the TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, and RICO Act. 

I anticipate your prompt attention and a timely response to this matter. Please be aware that your cooperation is not only requested but also legally required, as outlined in accordance with UCC 1-202f. I look forward to receiving the appropriate documentary evidence and resolution to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-08
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (HI)

I have an auto loan with Santander Consumer USA bank. I have sent in my payments, but unbeknownst to me, the payments were returned. I was not aware of this, nor have I received any calls or notices from Santander regarding this. I sent in a payment with a letter requesting that I be able to pay half of the {$530.00} in 2 monthly payments, on the XXXX and XXXX of every month because {$530.00} taken in one chunk was really hard for me. I did not hear back from Santander with regards to my request. I sent in my payment of {$260.00} on XX/XX/XXXX and a couple of days later, my car was repossessed. I then called Santander and was told that they do not receive any correspondences as the payments go to a different department so any correspondences attached to the payments are not forwarded to the correct department. I sent in another letter, this time to their main address informing them I had submitted a payment and a letter and that I would like them to reconsider auctioning off my car and accepting my request to split the {$530.00} payment into 2 payments. The letter was sent to them on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard anything back from Santander. No response or phone call. I explained to them that I am the sole provider for my household and that I am not trying to get out of making my monthly payments, but just simply splitting the payment into 2 payments per month. I also sent in a letter to them in XX/XX/XXXX asking for explanation of fees, however, they did not respond. I called the repo company that Santander hired to take my car, twice to ask if I can get my personal items out of my car, however, I did not receive a call back from them either. This was my only means of transportation and they have caused me a lot of stress. What kind of company is this, who does n't respond to their customers?
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

Issue : on or around the week of XXXX I tried several days trying to get into my own personal account to view my data in theworknumber.com. the worknumber.com is sub-company of equifax. However, No one could reset my account in order to allow me to view my personal information. I tried working with customer support for at least 2 days, The woknumber representatives, tried making me repeat the same steps over and over in different web browsers, clearing my cache, etc. with no luck. Then, they said that the issue is within my company, the XXXX XXXX XXXX part of the department of Agriculture ( USDA XXXX ). However, I explained to them that I had already contacted my Human resources department of NFC-USDA and the issue is definitely at the worknumber.com since NFC-USDA doesn't handled the resetting or the accessing of my account within theworknumber.com. At the end, I told them that my goal is to be able to access my personnal data and not a printed report. at that time, I submitted a complaint over the phone with theworknumber.com since there is no one at either Equifax or the worknumber.com that can reset my user-id. Now on XXXX, after waiting for more than 30 days decided to file the complain with CFPB since I have not hear any response.
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I had my loans with XXXX previously however, after applying for PSLF, my loans were transferred to Mohela. I have called countless times and been placed on hold for hours at a time. When I finally reach someone, I am provided a new number to call for the correct department and again wait on hold for hours. My loan amounts continue to climb despite making monthly payments. Not to mention, my entire payment amount is going directly to the interest and none towards principle. I have also been trying to understand why I worked in XXXX for a non profit organization while making payments for 10 years and my payments are not being counted towards the PSLF nor have any of my loans been forgiven. If you are able to provide any insight, I would greatly appreciate it.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (VA)

I have had the same two credit cards, have banked at XXXX XXXX XXXX for thirty-seven years, have had no hard inquires, have always paid my bills on time ( except for a bill that got lost in the mail over twenty years ago ), and out of the blue TransUnion lowered my fico score twenty-four points. I called them several times, and they hung upon my three times. I filed a complaint with CFPB ID XXXX. Their response was gibberish. The resolution I sought was that TransUnion raise my fico score back to XXXX. They never addressed that, and claimed I requested that they cancel the investigation. I never did.
Consumer complaint received 2020-05-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX they never responded to my dispute according to FCRA
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (NJ)

XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX Fay Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I bought a property at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Unfortunately, when I sold the property in XXXX of XXXX the mortgage servicer refused to provide an updated payoff statement after several attempts. Once it was received they added additional fees and threatened to foreclose on the property if I didn't pay the extra charges. 

I have no choice but to pay them to avoid additional damage to my lively hood however, I do not want this to go unnoticed.
Consumer complaint received 2018-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.
Consumer complaint received 2023-08-08
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account.