davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; 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 } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX USA XXXX
Consumer complaint received 2023-10-02
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. (FL)

UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-14
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. (MI)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

On XXXX  I called to ask about to defer but the option I have is forbearance. They said I have to pay {$50.00} and provide a financial statement. If I loss income where does the {$50.00} come from? I would rather use that for groceries and necessities. 

Why jump through barriers just to get a forbearance? The previous company did not have to have these requirements. Navient is a rip off!!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NJ)

To whom it may concern, My XXXX and I purchased our new home in XXXX and Freedom Mortgage took over the mortgage shortly after from the builder XXXX. Our taxes were due XX/XX/XXXX that should have been paid by Freedom Mortgage from our escrow account. Unfortunately Freedom Mortgage did not. I called them XX/XX/XXXX which they mentioned they did not have the appropriate information which I immediately provided them. 

Subsequently, I have called numerous times since and even XXXX XXXX XXXX department has as well. Freedom Mortgage continues to come up with a different story. There is now interest acquiring and they don't seem to care. Any help is greatly appreciated.
Consumer complaint received 2017-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC (NY)

I found out that  XXXX  has a judgement against me when I was trying to get a mortage ... .I knew nothing of this-it was a complete shock.On  XXXX / XXXX /  XXXX   a judgement was filed in court..I have tried calling and writing  XXXX , and no one answers me -- -- I do n't even know where this debt is from-I became  XXXX  10 years age so I always rent and have only got a car, so there is no big items I bought. There is also some lawyers on the judgement named  Rubin and Rothman  who I also tried contacting and again no answer. The amounts from the  XXXX  also varies. R and R has {$1200.00} per the  court  house -- -- - XXXX   is  a little over {$1000.00} ... ..How can I deal with these people -- Thank-you  XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I have a savings account at Chase JP Morgan Bank. 
Account Number : XXXX Account Name : XXXX XXXX and XXXX XXXX ( Hight School Checking ) I recently disputed three debit card transactions with Chase. My claim # is : XXXX The disputes are for $ XXXX XXXX Transaction Date XXXX {$100.00} XXXX Transaction Date XX/XX/ $ XXXX XXXX Transaction Date XX/XX/23 I told the rep. at Chase that all the charges were fraudulent. They did a research and said that the charges are from an XXXX XXXX device. They denied the fraud claim because it was connected to a previous payment transaction. Basically since it's my device, and it's a financial transaction, I have to go to XXXX. They say that they are not responsible. I told them that there is evidence that a phone can be hacked, and the XXXX Signal could be interrupted by the airways. I pointed out this article published in XXXX XXXX. 
This is the link to the article : XXXX XXXX XXXXXXXX I told them that I can get a police report but they do not care. They denied the claim. I did say that I'm a client for over 25 years and keep over {$7000.00} in their account. This is the same as someone stealing my credit card. They money was basically taken from my bank ( Chase ). XXXX was just the middle man that gave my money to the vendors. The signal was stolen ( same as my credit card information ). The signal contained my credit card information. I don't think I have to pay this. Chase is not being fare since they have insurance that covers this and can just tell their merchants that this was fraud. I could use some assistance here. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (TN)

In accordance with the Fair Credit Reporting act DEPT OF ED / 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 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MN)

About 2013 I had lost my house because it was unable to sell. The loan amount was alot more than i could actually get for it. The house went into foreclosure. The house sold on XX/XX/XXXX for XXXX. The XXXX mortgage with a balance of XXXX was never taken care of. between XX/XX/XXXX and XX/XX/XXXX i have tried to communicate with them about this matter, they would say ok we will note that the house has been sold and yes it should of been taken care of but in the years it has still been on my credit report saying late/ non payment. I called them again today and i was on the phone for 1 hour and 5 mins. transferred to XXXX departments and no one could help me. At the end they told me that i have dedicated specialist and gave me her number and said it was now marked as a " Charge Off. ''
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NY)

On XXXX XXXX XXXX I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days. After a month the bank did not returned my funds, and a followup the the bank provided XXXX information on my balances or refund status. Additionally, the bank did not allow me online access to see that balance in my account balances are accurate and current. 

I filed a CFPB complaint on XX/XX/XXXX ( Case XXXX ) that requested the bank provide the following : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. Please note, banks are not allowed to withhold balance information from their clients. 

Truist responded to this by re-sending me the original closure letter stating the account was under review on XX/XX/XXXX. In the months to follow I periodically called their customer service line, however no additional information was provided. 

It has now been 9 months since the accounts were closed and 7 months since Truist 's response. No further information nor access to my accounts or account balances or statements has been given. 

I have spoken to legal counsel who informed me that Truist has been in violation of numerous federal regulations in the handling of this - from not providing me account information, to incorrect handling of ACH returns, to their communications not meeting regulator requirements. He recommended I take legal action, however I do not wish to go down that road. I simply want my money in my account returned to me immediately. 

This serves for all 6 checking accounts closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-02
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. (NJ)

This information is not mine, it does not belong to me and I do not want it in my report. 

XXXX XXXX, XXXX. - XXXX - XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : FRAUDULENT ACCOUNTS Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CO)

Let me just start out by saying I am a fully licensed XXXX XXXX, XXXX XXXX and XXXX XXXX. I used to use Google Wallet regularly and it worked great, the transfers were instant and zero delays. I just tried again after switching to the Google Send app, it said it would take 5 days to transfer ( slower than a check or really any form of money movement ), this is unacceptable. I then IMMEDIATELY cancelled the transaction because again a 5 day time frame for a in place transfer is insane. I submitted and cancelled the request on XX/XX/18 and the cancelation was within under 120 seconds. On XX/XX/18 the money was withdrawn from my account, this caused much financial harm to myself as most of my bills debited my account because Google decided they needed my money 2 days later after I cancelled. When I contacted their Help & Support Group they let me know it could take 7-10 BUSINESS DAYS to credit back to my account. This is fraud, commingling and just illegal time frames for any company in the financial industry. They should be ashamed of themselves and the lack of customer serivce, I used to use Google apps and products religiously however now I and my family along with ALL OF MY CLIENTS will consider a new relationship. You are terrible Google Pay and your service is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I am filing complaint as I found inaccurate information CCB/FOREVR21 account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

For over a year, I have written, emailed, called and spent countless hours trying to receive help due to XXXX XXXXXXXX, hardship, etc. I have written letters, I have called literally every department including the executive department, emailed, the executive department about my situation, however, they will not make, acknowledge or try and assist in a XXXX persons inability to make the payments they are asking. That is discrimination, when you have no programs for XXXX veterans, or veterans family to be able to pay a lesser payment. I have filed multiple complaints against this company because, they did not close the account like I instructed them to. I was told by XXXX, who took a payment from me on XX/XX/XXXX, for {$80.00} that the account was not closed. I instructed USAA Debt Management Services in XXXX, XXXX, that the account was to be closed. XXXX did not close it. This is illegal. When a customer says, I cant afford the account, I will make payments on it as necessary, close the account, by law, the account is to be closed. I want this account closed. I am on medical SSXXXXI XXXX, I have instructed this bank over a hundred times that I cant pay the amount they are asking on a fixed income. They refuse, and do not have any programs available for a XXXX person, a bank who claims to help veterans and their families, and they have no programs to lower my payments. By law, every bank is to have options for customers in hardship and XXXX distress, this bank does not, they say they will take XXXX a month, and I make less than {$1000.00} monthly. My XXXX that I take cost XXXX a year. How, am I supposed to pay for what I need when this bank will not make accommodations? I have told them my situation, my needs, my XXXX hardship that is not going away, they ignore me, they do not return phone calls, they have said, we cant help you. I have tried, and as a XXXX person, who has been transparent and honest, this bank, and another bank that I have filed complaint against, does not care. This needs to be investigated.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical Data Systems, Inc. (NC)

My purse including my personal information was stolen XXXX, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : XXXX XXXX XXXX XXXX XXXX  ( ACCT # XXXX ), with a balance of {$3600.00} XXXX ( ACCT # XXXX ) with a balance of {$1100.00}. XXXX. XXXX XXXX ( ACCT # XXXX ), this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I have been working with XXXX XXXX to apply for a modification for the past 3 years. After submitting 20 applications over the course of 3 years, they have finally granted a modification, however, rather than making a more affordable payment they ahve set us up for failure by more than doubling our payment amount. Our principal balance is XXXX and our forclosure judgment is {$350000.00}, however, they have added an additinal {$130000.00} to our outstanding balalance with excessive insurace costs, lawyers fees and penatlies. We are part of the action the cfbc currently has against XXXX for failing to offer affordable modifications and setting people up for foreclosure. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We respectfully request a more affordable modification. Our current payment is {$2100.00} and they are now offering a trial modification for {$4200.00}. If they can not make us an affordable payment we are willing to sell our home and pay the bank in full. Therefore, we respectfully request one option or the other. There is enough equity to pay the bank in full, however, it is our request to stay and be offered a modification that is closer to our current payment amount. How is this still occuring when there has been a lawsuit filed for this exact problem? Please advise.