davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (FL)

Equifax have not removed unauthorized inquiries! 


Equifax : XXXX XXXX XXXX, XXXX, GA XXXX. 
: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  /XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given ( EQUIFAX ) permission to furnish this information.

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 4 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to ( EQUIFAX ) resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a letter ( ATTACHED ) XX/XX/XXXX, that they received on XX/XX/XXXX ( ATTACHED DELIVERY RECEIPT ) to Capital One Auto Finance after my car was repossessed in around XX/XX/XXXX asking for proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I had personal belongings such as a mechanical tools left in the back seat that were costly. I never got a call or letter regarding my belongs, as by law I am entitled too. They have not responded back to my request and it's been over 30 days. My personal belongings are gone. I do know the law and this is sad how creditors take advantage of consumers at such a time as this. They are very committed to continuing reporting on my credit reports while breaking the law.
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (MD)

I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.
Consumer complaint received 2022-12-03
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. (MI)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-26
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. (FL)

Trans Union has violated the 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. Which I did not give them permission to report my bankruptcy. I DID NOT give you neither direct nor indirect permission to furnish my inform

ation. In addition to that violation, Trans Union are also committing fraud since Transuion claim to have verified this bankruptcy, but your sources deny that. Should Transunion need a reminder... please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) Statue. I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

XXXX is the previous complaint. There has been no resolution to me trying to leave forbearance making monthly payments and still having bills that say nothing is due and not showing any payment. Also, they are trying to increase my payment amount, even as interest levels are falling way below what I am financed at with no offer or possibility offered when I ask for help. Last time I called I was told that I wasn't even supposed to be making payments, which like always was a different story, so I stopped and I am looking at the bills right now that say XXXX due and that my loan is in forbearance. However, now I am getting late notices with fees attached. How can I possibly be charged a late fee when I am still showing that I am in forbearance with no XXXX due and the company is unable to update my account even though I have given them more than {$8000.00} in the last few months. This has been the most stressful experience of my life and Citizens One has been entirely unhelpful. There is no standardization of responses and every time I call I get a different response, so certainly some of the responses I have been given are false if not illegal.
Consumer complaint received 2022-03-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TN)

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( National Credit Adjusters ) for committing identity theft. I have never given ( National Credit Adjusters ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ( National Credit Adjusters ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit Adjusters ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit Adjusters ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit Adjusters ) continues its collection efforts, I will file for litigation for actual damages caused and ( National Credit Adjusters ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica (AL)

I was I was in XXXXandhad a new debit card sent so I could access my money. A girl friend of an XXXX  said she would accept the delivery at her address and bring a bondsman to the jail who I would then active my card. And let bondsman withdraw the necessary funds to XXXX  me our. 

The XXXX was delivered to XXXX XXXX address. It only had my mane on it. Didn't even have c/o only my name. 

She opened it and was able to activate the card. Last XXXX of social is needed XXXXmd and that was. Public records when I got arrested.

When I got our I filed police report and after their investigation which included but not limited to all video chats and phone conversations. 

XXXX XXXX was charged and arrested for credit card fraud, I think. 

A few months passed and she made bond and has been on the run every since.

Direct express said that I gave hey information on and denied my claim
Consumer complaint received 2022-12-03
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: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (MO)

A collection company is trying to collect a debt about a XXXX charge over 10 years and claim it was in 2016, I havent had XXXX service for over 10 years also another collection company tried collecting saying I owed {$110.00}, I switch from XXXX to XXXX when they were brought out by XXXX which the bill would have transferred, I also explained that the bill was always a month ahead and my bill was {$56.00}, and XXXX would turn your phone off after 30 days, so the phone was switched and the bill was already a month ahead. This is showing on XXXX tried talking/ phoning language barriers. I guess they call this ghost debt. Thank You, again check my report 9 years ago/ longer.
Consumer complaint received 2019-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I had a {$21000.00} loan for college in XX/XX/1996. I had paid on and off since then and the loan defaulted. I got it out of default and have made IBR payments on time for the past year and 1/2, only to have Navient say the total now due is {$93000.00}. That is not right after all these years. I feel scammed and taken advantage of. I do not believe that a {$21000.00} loan has exploded into {$93000.00}!!!
Consumer complaint received 2016-10-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (CA)

I was in the process of purchasing a home and had some issues negotiating down my interest rate. The lender was dragging his feet on locking in my rate. That should have been the first sign of trouble, however we tried to stay on top it. When we were given the final numbers, we did not accept the interest rate at the time because it had jumped to a 4.25 We were initially working with the 3.625 rate. The lender tried to give us some excuse that it was out of his control. So we told him that we would like to decline, we would not be able to afford the new payment of XXXX with the rate he tried to give us. He asked us to wait so that he could " work some magic '' with the numbers. He finally said i did it, i got you a 3.625 and your new payment is XXXX. We were a few days from closing, I had already paid a deposit that I would surely be losing, and we had only limited time to close escrow, and fund the loan. The last week of the loan process was hectic and me missed some very important information. After we closed, about 10 to 11 months into my loan i started receiving letters from the mortgage company that my escrow account was short and that i would be responsible for paying back some funds. My new payment would now go up to XXXX and i also need to pay about XXXX in property taxes. I immediately sought out another lender, i was able to streamline my loan with an even lower interest rate and really concentrate on making sure my escrow account was done properly. We discovered that the " magic '' that XXXX XXXX with New American Funding worked, was only allowing XXXX every month towards our escrow account. Our initial paperwork with the title company showed an estimate of XXXX towards taxes, XXXX towards insurance, and XXXX towards PMI. How they were able to manipulate the numbers after closing is why I am reporting this. After we moved our loan, two days before closing New American Funding asked for a pre pay penalty that they revised from the initial payout numbers they gave. They wanted even more money from me before they would release the lien on my property. We had called customer service several times to resolve this however, this seems to be a standard operating procedure for New American Funding. I feel that we were victims of predatory lending and loan fraud. I thought the mortgage laws were stricter and helped to prevent things like this from happening. Our city was involved in one of the nations most horrific mortgage fraud cases with XXXX XXXX, so i assumed all real estate agents in XXXX California would cross there t and dot there i 's. I would like to have my initial paperwork audited and I believe there are more victims out there who have also been subjected to predatory lending and loan fraud by New American Funding. I also want this pre pay penalty to be refunded.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On  XX/XX/XXXX  our home located in  XXXX   XXXX , GA was heavily damaged due to hurricane  XXXX . The house was flooded, a large tree fell on the roof causing it to cave in and bricks were also torn away. The homeowner 's insurance is issued through  XXXX   XXXX   XXXX  and the insurance adjustor was sent to inspect the property. They issued us a check in the amount of {$58000.00} made payable to the home owners and Bank of America the mortgage holder. Because of the amount of the check, it was endorsed by home owners and mailed to  BofA Insurance Processing Center  to be sent in increments for repairs to the home. We received a check in the amount of {$20000.00} on  XX/XX/XXXX  and a check for {$20000.00} on XX/XX/XXXX . After each chec k BofA  has sent someone out to inspect the home to be sure all repairs are completed. We are now waiting on the final installment to complete work so property can be put on market for rental. We have been in contact with Bank of America since  XX/XX/XXXX  and have sent all requested information but they will not release final payment and has not given any legitimated reason as to why the check has not been mailed. The last fax on information requested was sent to  XXXX   XXXX  on  XX/XX/XXXX .
Consumer complaint received 2019-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In 2004 we refinanced our home with XXXX XXXX XXXX dba XXXX XXXX XXXX. The note and deed of trust were immediately purchased by XXXX XXXX. The total amount of the loan was {$310000.00}. 

We have been paying on this loan but apparently XXXX XXXX   never received the payments so we have requested an accounting to be done on the loan and are waiting. Please see attached request for leave from the XXXX Circuit Federal Court of Appeals. 

We expect to see all books and documents regarding this loan.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX early in the morning, my cell phone and debit card were stolen in XXXX Indiana. Between XXXX my debit card and iphone were used for over {$9000.00} in fraudulent charges. I realized on XX/XX/XXXX that my phone, online account and debit card had been compromised and immediately reported it to Chase. They opened a series of claims but only credited {$430.00} of the claims. Several weeks later all of the claims came back " closed '' saying " We found that the transaction was processed correctly or was authorized ''. After another attempt at filing claims through Chase 's Customer Claims Department I went to my branch manager who opened claim number XXXX on XX/XX/XXXX. {$9200.00} was credited back to my account. On XX/XX/XXXX I received a letter saying " We found that the transaction was processed correctly or was authorized '' and on XX/XX/XXXX the amount of XXXX was removed from my account. I reached out to the Customer Claims department and they said they would not investigate any further and I have not heard back from my branch manager.
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

I have a mortgage and i setup automatic payments as a fail safe to not accidentally miss a payment. 

On XX/XX/2022 i setup an online payment of {$1500.00} to pay my XXXX payment. The payment went through on XX/XX/XXXX. 

A few days later i checked my account and my mortgage service, XXXX, had sent a few second payment automatically. One was for {$1500.00} on XX/XX/XXXX, the other for {$1500.00} on XX/XX/XXXX. I had not had the funds available to make said payment. The account went into an overdraft, causing fees of {$35.00}. 

Now my mortgage service is also sending fees of {$20.00} for the returned check. I feel like the issue is a fault in their own system that wasn't setup right, because it should have either caught that a payment was already processed. Or the system should have told me that an automatic payment was in the process of being drafted while i was making a payment. There was no warning.
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes and were not authorize by me or anyone associated to me : The following inquiry needs to be removed immediately : Coaf Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Auto Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from AXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
These are fraud and should be removed immediately, when something like this happens all at once you should know something is wrong.
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose