davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (MO)

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. 

XXXX  XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX Bank : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

I received many calls from PHH mortgage, offering me a reduced interest rate ( from 5.97 to 4.19 ) and a reduced premium over approx remaining period ( from {$1900.00} to {$1400.00} ) I closed on XXXX XXXX, 2017 and my first payment of {$1400.00} on XXXX XXXX, 2017. In mid XXXX I received a letter from PHH that due to escrow shortage my XXXX payment would be {$1800.00}. This unplanned amount was debited to my bank account on XXXX XXXX,2017. I am retired and on a fixed income so I had to rearrange my finances to cover this overage.
I called my loan officer, XXXX XXXX, who showed absolutely any interest in my dilemma but referred me to the escrow department. After spending over 20 minutes with the escrow representative, I was unable to get an explanation for the increase. I however questioned a item on the escrow statement that said escrow refund. The rep. then put me on hold to investigate. After about 5 minutes on hold, the phone mysteriously disconnected. I again left a message for the loan rep. No response. I started investigating my options.
Then in mid XXXX, I again got a letter from PHH that due to escrow shortage, my XX/XX/XXXXpayment will be {$2400.00}. In less than 90 days from closing my monthly mortgage payment has increased almost {$1000.00}.
Again, I contacted the escrow dept and again after some time on the phone I was put on hold and the line disconnected again when the escrow refund was mentioned. This seems to be a business practice of PHH. I am in a worst position now than when PHH offered me this relief.
I was informed at closing that my projected escrow shortage was {$15.00} PHH has had my mortgage for over the last 10 years and my taxes have not gone up. Actually they decreased over the last two years. My insurance has remained the same so I ca n't understand these escrow problems and can not get an explanation from PHH.
Consumer complaint received 2018-03-26
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. (NC)

On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and XXXX XXXX XXXX. There could be more but these are the two which I received letters for.
Consumer complaint received 2021-08-05
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: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/XXXX I was in the process of getting ready to apply for a small business loan and needed to check all of my credit reports before proceeding. This is when I observed the fraudulent information on my credit reports. This fraudulent information has caused me hardship and prevented me from moving forward with my much needed business loan. I have resided in the Georgia area since XXXX and have absolutely no association with whom ever opened this account up under my name in the state of Texas. I have attached a police report with detailed information obtained on this matter. I am absolutely appalled at how the original company ( XXXX XXXX/XXXX XXXX ) whom this fraudulent account originated from allowed someone to call in, provide them with my name and SSN number over the phone and they opened up an account for this individual ; I was informed by a representative at the company, that is all that is required for them to approve an account. No one did any verification and now I am the one suffering. After the individual did not pay their bill, XXXX XXXX reported this to a company called XXXX XXXX XXXX, who then sold the account to a company called Transworld System Incorporation which is the company that appeared on my credit reports. Please help me in having this fraudulent information removed from my credit reports immediately so that I can proceed with my business loan. Thank you.
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (VA)

SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Well i had a checking account with fifth third bank in  XXXX  Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me  XXXX  dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the  XXXX  dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2  weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said  XXXX  you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (OH)

I am a victim of identity theft and I have had a fraud alert with the credit bureaus ; specifically Equifax since XX/XX/XXXX. I have completed an identity theft report, police report and affidavit that has been on file with Equifax and the company has all my information. I submitted a request in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for Equifax to block reporting information per the Fair Credit Reporting Act ( XXXX  ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] due to identity theft. Equifax has ignored my requests repeatedly. However, I was under the impression that this information was blocked because the information was not reported on my Equifax credit report through XXXX credit monitoring company. When I learned of the Equifax data breach, I retrieved another Equifax credit report ( free ) through Annual Credit Report and Equifax did not block the fraudulent information and it still remains on my report. I contacted the Fraud Victim Assistance department on XX/XX/XXXX and was told by an agent that the was not fully blocked from my credit report. After contacting Equifax for three months, this agency is still in violation of law and refuse to block fraudulent information from my credit file. More importantly, this information could negatively affect my employment from federal background investigations and obtaining credit in the future.
Consumer complaint received 2021-09-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION (VA)

What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the XXXX Mortgage holder was Sun Trust Mortgage. This previous XXXX XXXX  was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st Sun Trust Mortgage that still exists and needs to be removed now when Sun Trust Claim & The legal basis of the claim now is made known via a Sun Trust Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX XXXX XXXX  Loan who assigned the modified loan to Seterus.Com ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by Mr.Cooper.com of Texas who still this new modified XXXX XXXX  holder. 

This current modified XXXX Mortgage is current and always been so. The current monthly payment as specified by Mr.Cooper.com is $ XXXX with {$600.00} for XXXX XXXX  Payment and XXXX XXXXMo for Escrow. 


What Happened? 

Until XXXX, XXXX when Sun Trust Mortgage selected 3rd Party Debt Collector, for more than 10 years, Sun Trust Mortgage never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the Sun Trust Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified Sun XXXX XXXX POC, to determine legimacy and fairness by a specified XXXX for Sun Trust Mortgage. 

Discussed by qualified legal representative for myself & family. Once this SunTrust Mortgage claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the Sun Trust lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of Sun Trust Mortgage that does not specify either the " Sun Trust Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the Sun Trust Mortgage claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such Sunt Trust Mortgage examption claim via conversation with a qualified Sun Trust Mortgage POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX XXXX Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against XXXX, in XXXX, XXXX for assistance in receiving such legal clarification.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (PA)

This complaint is regarding Navy Federal Credit Union and their excessive account fees, reordering transactions to cause more fees, then charging returned item fees while Im also getting charged returned payment fees from the creditor. In the end, causing me to pay triple the amount of debt owed. Then, after just months of overdrafting when although NFCU was reordering items, charged me thousands of dollars in fees, didnt disperse money and or send transactions as agreed per signed account agreement and elected overdraft/debit card coverage, they decided to close my account without proper notice leaving me with ZERO access to years of account history, statements, payments, refunds, my direct deposit sent to them monthly, and any action ever taken on or for that account. I asked multiple times if they could provide access and I received a response telling me maybe later on I could try to apply for a new checking account. 
In addition to this account they have been collecting on two credit cards NFCU inaccurately reported as late over the past year, accruing erroneous fees, interest, and unnecessary/excessive charges. They email me with my combined statement and I cant even access it. Also, they have called me excessively over the past year attempting to collect on all the accounts even after the credit cards had been paid on. I had to change my number due to the fact that I was receiving over 20 calls a day.

Navy Federal has also obtained my credit reports without my consent multiple times a month each month accounting for about 25 hard credit pulls on each report. That is fraudulent and illegal. 

Ive attempted to contact NFCU regarding all of the above via secure message, phone, and filling out a financial hardship form they requested from me a little over a month ago that I sent in right away. After sending it in, they called and left a message on my home number which was short and did not offer the financial, credit relief, help they advertised to me before I filled out the form. It was misleading and misrepresentation of what they were going to offer me in attempt to collect more information from me and collect more money from me. In no way did they offer help, actually, right after I filled this form out NFCU reported BOTH OF MY CARDS as derogatory 150 days past due or charge offs.

I had financial hardship ONE MONTH, during Christmas of 2018 where I was going through a divorce, attempting to push my way through school as a single parent at the age of XXXX, and had my hours cut unexpectedly from my job of EIGHT years. The one month I had some financial difficulties, they cost me so much in fees, interest, account closure, returned payments, etc., and have been impossible to resolve this with ever since.
Consumer complaint received 2022-09-09
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)

I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2017-08-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I have already contacted this company on different occasions and they insist that I have an alleged debt with them.

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Where is the proof of the transaction that creates this alleged obligation to you?

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them.

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. Account name XXXX Account number XXXX Balance {$930.00}
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I have Select Portfolio Servicing, inc. as my mortgage company. On XX/XX/XXXX I tried to make a payment online. It didn't go through, there was no notification on my side. I tried 3 different times on Saturday. So on Sunday, XX/XX/XXXX, I tried again so, my payment wouldn't be late or screw up the trial loan modification. The payment on XX/XX/XXXX I have a transaction id number. I do not have a transaction id number for XX/XX/XXXX. I checked my credit union account on XX/XX/XXXX, I found that the mortgage company had taken out 2 payments one on XX/XX/2019 and one on XX/XX/2019. I did get the mortgage company to refund the one payment, but not the extra {$30.00} to cover the payment for propane that I wrote a check for on XX/XX/XXXX. I believe that the mortgage company should pay for the {$30.00} to cover their mistake. I sent 2 different emails to alert the mortgage to this problem. No contact from the mortgage company.
Consumer complaint received 2017-07-27
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I constantly monitor my credit with   XXXX   XXXX  .   XXXX   XXXX    always shows you cards you have a good chance of being approved for and offers you to get pre qualified for loans, I just looked at companies I could get pre qualified for and that was it. I never agreed for my credit to be pulled. One Main Financial pulled my credit to approve me for a loan that I did n't want. I NEVER agreed for them to pull my credit and I never accepted a loan from them! I called them and explained this so they would take the inquiry off my credit. The people I spoke to were very rude and did n't care and basically said it was my fault and they were n't going to take it off. I filed a complaint with the BBB and they tried to contact them 3 times to resolve it but they never replied to the BBB. This loan company is sketchy and they are being too pushy with consumers for loans. I want this inquiry off my credit from One Main Financial that took my credit score down  XXXX  points.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

I tried to register With XXXX They said that my mobile telephone number is already registered to an account. I asked them to close that account. They require that I provide them with the email address used to open the account. I have no idea. I control the telephone number and I want it used exclusively for my personal account.