davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc. (FL)

I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

We had what was supposed to be a fixed 30-yr. FHA loan. However, XXXX Mortgage has consistently raised our monthly payments - most recently from {$1200.00} per month raised to {$1500.00} per month. They claimed that this was due to them not collecting enough from us for our escrow. I see that most recently, part of that is for a " PMI/FHA Ins. Distribution. " Raising a mortgage payment {$300.00} per month is too much to handle and not reasonable.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (PA)

I received a loan modification from TD Bank which I accepted and signed on XX/XX/XXXX. The first payment under the modification was due XX/XX/XXXX. I made this payment at the time I signed the modification, and made payments for XXXX, XXXX and XXXX as well. TD seems to have at least partially implemented my modification, since the interest rate and principal balance have been updated on my monthly statements. However, the XXXX and XXXX statements ( for the XXXX and XX/XX/XXXX payments ) show that my payments are not being properly applied to the mortgage. The modification should have reinstated my loan in XX/XX/XXXX, yet TD claims I owe {$5000.00} and am over a year delinquent on my loan. Copies of the loan mod and my most recent two mortgage statements are included. I would like TD to correct its accounts to reflect the XX/XX/XXXX modification and show that I am current on my mortgage.
Consumer complaint received 2021-11-03
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: Bread Financial Holdings, Inc. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/WAYFAIR is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2018-06-29
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 (TX)

I applied for a credit card at BOA and was denied an unsecured card. So once the denial letter came in the mail I applied for a {$300.00} secured card in the mail. However, my biological mother and grandmother had an checking account opened at BOA in my name that I was unaware of in XXXX. I was then sent a letter with a pin number selected for me and that the card would come in a separate letter. The card never came in the mail. I also never received the card ending in XXXX. I reported card lost or stolen. Then I was sent a new card with a new account number ending in XXXX. This card was then detected for possible fraud after an XXXX XXXX XXXX installations with XXXX when my step father XXXX   box got installed in my apartment and registered to my name and new cable account since I had used that credit card to open the account on XX/XX/XXXX. This uverse account was immediately compromised and multiple people had added themselves to this cable account that was used to get access to different bank accounts. After I closed cable service in XX/XX/XXXX with XXXX those cable boxes in my name somehow went into circulation and these individuals keep access my bank accounts this way to transfer money. BOA then told me because they detected fraud on my card in XXXX they closed the account and opened a new account ending in XXXX and mailed me a new card. I later received second hand information that the first two accounts mentioned where still active and different individuals were using XXXX to make purchases to embezzle money out of the accounts that I though were closed to get access to a trust that I was unaware of that I had. I closed the account ending in XXXX once I paid off balance. The last statement I received was in XX/XX/XXXX. I had also used this card as a bill and proof of residence when I applied for XXXX XXXX Assistance to cover a doctor visit at the hospital. However, I order to apply for this assistance it states that you give XXXX permission to hold any settlement money due to you to cover your doctor bills if you should be expecting a money in the near future. This card was then fraudulently kept on file to get access to bank account and multiple medical professionals created fraudulent records and documents to bill out for medical treatment I was never there for nor had I consented to the treatments. The XXXX FBI noticed this fraud in the account and billing at XXXX XXXX XXXX. Again all of these above accounts should be closed. These accounts are tied to an XXXX report with ATT # XXXX and FCC # XXXX. It also affected my bank account at XXXX. XXXX CFPB # XXXX for XXXX. The other telecommunication companies that I have been affected with these accounts are also listed below for reference : FCC XXXX Squad # XXXX XXXX Geek Squad # XXXX FCC XXXX XXXX # XXXX FCC XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX FCC XXXX # XXXX XXXX XXXX # XXXX FCC Metro PCS # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

1st issue : My account became linked with a third party, someone named XXXX XXXX whom I do not know nor requested, in XX/XX/2021. Problem was resolved but without explanation of how it occurred or reassurances of account security. 
2nd issue : My account suddenly became " locked '' without notice due to what I was told were " federal regulations '' requiring me to prove my physical address. I was unable to use or access my account in any way. I was asked to send in a copy of a recent credit card statement as well as my ID, which I did. I faxed the documents and rep claimed they were too blurry to read. So I mailed them. They were received on XX/XX/2021 and I was told that I would regain account access upon review. I then received an email on XX/XX/XXXX stating that my review for identity verification was complete and all was well, however I have still not been able to log into my account. I called again today to clear the matter up and was told their records showed that I have been a member for 14 years, which I have not. I only just opened the account in XX/XX/2021. Then I was told that there was no record of my checking or savings account, so no monies in the account could be returned to me. I was asked if I thought my account could have been hacked. I would not know from their end if that is the case. No other identity theft has occurred in any other of my accounts. Clearly USAA is not safegurading my saftey as a customer. I have requested that the accounts I had with USAA be closed.
Consumer complaint received 2021-03-02
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: Open Dealer Exchange, LLC (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 700 CREDIT/XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-02-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/2021 for my XXXX XXXX XXXX account.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXXXXXX This is my only number XXXX All other telephone numbers are not accurate.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On   XXXX   XXXX    2017  I b ought a   XXXX   XXXX   XXXX   from a company named " from  XXXX  '' the order arrive 9 days later after being stuck in  XXXX  customs for a week. When the order arrived the box was damaged ripped from one side and inside instead of the   XXXX   XXXX   I ordered there were some supplement pills. I contacted the seller and they refused to refund or exchange or help in any way. They said there 's nothing they could do. I contacted capital one do file a dispute against the company however they decided on the sellers favor because their terms state theha rent responsible for lost or stolen packages or wrong items being shipped what is this ridiculousness?!?!?!?! The web site from  XXXX  is in  XXXX  and it 's hard to use it and very sneaky with their insurance process and policies they are basically hidden! Not only did I get re-billed but I also send the merchandise I received back to the seller so I got left with nothing! Cap ital one custo mer service was horrible as well! They took 95 days to get back at my and notify me I was missing document for my dispute!! 90 days is already the deadline for resolutions on disputes and last minute is when they were " trying '' to help.
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding c/o XXXX XXXX XXXX has actioned in District ct of XXXX, MI civil collection of a debt they have from the date of XXXX 2015 refused to validate under federal law. This company has acted capriciously to collect on a debt not owed and/or validated to be owed and too refused to validate they have right to recovery of debt for third party by being purchaser of the debt by proof of a valid contract of the debt purchase. These actions also violated the consent agreement XXXX XXXX. XXXX -CFPB XXXX by CFPB administrative adjudication
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

I have been trying to close the escrow account that was opened by Fifth third bank as I am not required to have escrow. I am currently paying ( in advance ) my own taxes and insurance Fifth third bank is requiring me to maintain a cushion which is not a requirement of my mortgage agreement, they're also falsely reporting my payments as late and not applying my mortgage payments to the account my loan agreement allows me to pay my own taxes and insurance which I am currently doing, they're in violation of the loan terms and agreement
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (TX)

I had a checking account with the US Bank. A the end of this XXXX, I experienced a check forgery. When I sold my car, the guy who bought my car stole my check and counterfeit my signature and made himself {$2500.00}. When I checked my account on XX/XX/XXXX, I found the forgery check posted on my account, and then I reported to the US Bank immediately. On XX/XX/XXXX, the US Bank sent me some forms to file. I also reported it to the police office. 

I submitted the required documents by following the instructions of the US Bank. After that, I called the US Bank about every two weeks to check the status of my case. During this period, the US Bank did not contact at all. On XX/XX/XXXX, when I called them, they told me that they have finished the process of my claim, my claim has been denied, and they refused to reimburse me the {$2500.00}. 

At the same time, the police officer finished the investigation of the case. They found the criminal and obtained the original check, financial documents, and the video of the suspect depositing the check into his checking account as evident. So everything is clear. But the US Bank refused to take their responsibility to reimburse me the {$2500.00}. So I hope to complain the US Bank.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 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 an account without my written instructions. XXXX has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXXwo ( 2 ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the XXXX  privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and TransUnion. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlas Credit Company, Inc. (OK)

I cashed a check that was sent to me and was never contacted by the company. I finally got ahold of them and they were rude from the beginning. They changed to terms of the loan from the beginning I tried to explain to them that it was wrong and was told to just make my payments. I started getting emails and I sent them the original contract and the copy they sent me and told them I wanted it fixed. They did that and the rudness got worse the due date was changed. I explained I was not due till the XXXX of the month and a lady said nope that was changed your do on the XXXX or XXXX remember. I told her I would pay it on the XXXX and she told me it was to be made that day. I've reviewed many voice-mails and today I received a text message from XXXX saying " XXXX this is Atlas Credit. We have tried every way possible to contact you and work with you regarding the payback on this account and you have failed to respond or pay. So now we are texting you to inform you that we will be filing a judgement on this unpaid account. You have until XX/XX/22 to call or come by the office and get this account taken care of or we will be filing with the courts on XXXX " I refuse to call and be spoken to the way they do.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Hello. I received a notice of collection on my credit that seems to be filed on XX/XX/21 from a collection agency for XXXX XXXX. 

I do not recognize this agency, have not received any communication from them. 

We have been using XXXX XXXX for over 2 years with same account and have no issues, no account problems and are still using them. 

This dept seems either fraud or contains an error. 

Hopefully there is not some sort of identity fraud happening.
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (HI)

I HAVE CONTACTED BOTH XXXX  AND NAVY FEDERAL CREDIT UNION, IN ADDITION TO THE MORTGAGE COMPANY AS YOU WILL SEE IN THE SUPPLEMENTAL ATTACHMENTS. I HAVE REPEATEDLY ASKED, PLEADED AND EVEN RECENTLY DEMANDED THEY PROVIDE ME WITH ANY AND ALL PAPERWORK THAT CONTAINS MY SIGNATURE/PERSONAL INFORMATION/PERMISSION AS IT PERTAINS TO TRANSACTION PAPERWORK. PLEASE READ THE ATTACHED PAPERWORK THAT DESCRIBES THE ACTIONS, FORGING, COUNTERFEITING AND DEFRAUDING THAT I AM FACING BY THESE COMPANIES CUSTOMER. I CONTINUE TO ASK THAT THEY INVESTIGATE THE REAL ESTATE FRAUD/MORTGAGE FRAUD THAT HAS OCCURED AND THE TENS OF THOUSANDS OF DOLLARS THAT ARE FLOWING IN AND OUT OF THEIR BANK BUT THEY REFUSE. THEY WILL NOT EVEN PROVIDE MY FORGED SIGNATURES. ITS SEEMS CLEAR THAT THEY WOULD RATHER KEEP THE PROFITS OF TRANSACTIONS AND NOT DEAL WITH THE HEADACHE. THE MOST DESPICABLE THING IS THEY CAN NOT EVEN BE BOTHERED TO IDENTIFY AND ISOLATE INSTANCES OF FRAUD THAT ARE EXPLICITLY BROUGHT TO THEIR ATTENTION.
Consumer complaint received 2020-05-05
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: CORELOGIC INC (MI)

There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.
Consumer complaint received 2019-06-03
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. (MO)

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XXXX 2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$XXXX} 2 ) XXXX XXXX XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX {$XXXX} 5 ) XXXX XXXX XXXX {$XXXX} 6 ) US Dept of Education {$XXXX} 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$XXXX} 11 ) XXXX XXXX
Consumer complaint received 2019-06-03
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. (MO)

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 ) XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX  XXXX