davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have applied for Mortgage Assistance through my loan servicer, Loancare LLC. I had been keeping in contact by phone. The first time I called to check the status, I was told of the documents that I was required to submit. I submitted my documents, then I called a week or two later. I was told that the application was complete and being reviewed, and that I would be contacted soon. I did not get a phone call, letter, or email, so I called Loancare myself, another week or two later. I was told at first that the application had expired. I was confused and told the person I was speaking to, that I was told I would be contacted regarding my application and no one had. They looked into it further, then told me it was denied and that I had only until XX/XX/22 to appeal. I advised the person I was speaking to, that I had also applied for the Mortgage Relief Program and all they said was they would make a note of it. On the CFPB website it says I should have been told of all my options, including a forbearance, and that I have 30 days to appeal and the right to submit a new application if material changes have occurred in my financial situation, which they have. Please help.
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: MoneyLion Inc. (NJ)

I signed up for moneylion a long time ago and apparently I signed up for something that is causing my credit score to drop like crazy. I didnt even get a loan and they said I am missing payments on a loan. I tried to contact them to cancel the loan or to cancel the account and they never reached out to me again.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

If on XX/XX/2023, an account review was conducted, and the decision was made to end the banking relationship. Then what happens to the check that I deposited for {$8300.00} on XX/XX/2023 if it is indeed unable to be verified by maker? 

If On XX/XX/2023 a secondary review was completed the decision was upheld to still restrict my personal account, where is the check for {$8300.00}? 

If the check still needs to be verified and you TD bank can not locate the maker as it does not show up as a registered business in the state of NY, why are you still holding on to the money? Return the money back to the check makers account from whence it came from TD said ULTIMATELY meaning : finally ; in the end. 

If finally in the end TD can not locate the maker of the check as they have confirmed then why is TD still holding on to the {$8300.00}? 

In the end, they are unable to find the maker. That sounds like a concluded investigation to me. 


So they need to return the money back to the account from which it came from. Ultimately there is no investigation if ultimately you can not locate the maker. 

TD needs to send the money back to the original XXXX  account from which it came as they have all of the account information there is nothing stopping them. If TD truly suspects fraud, why would they want to hold on to fraudulent funds? I am fine with TD ending our banking relationship and I am fine with my account being closed, not restricted. I do not want an account in my name with restricted access. I am not fine with TD keeping funds that does not belong to them after they have clearly ultimately reached a decision. Please provide an answer as to when the funds will be returned to the original account from whence it came from. Please provide what steps has TD taken to locate the maker of the check? Please provide what information you have used to try and verify the maker of the check.
Consumer complaint received 2022-09-19
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX 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 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

Resurgent is trying to collect a almost XXXX debt with a XXXX that is not mine!! 
I have no idea who opened and used my information since XXXX  they said!!! 
Thank You, XXXX XXXX
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I have a XXXX XXXX Visa Card. Originally, this card was serviced by Comenity bank. However, in early 2022 this card transitioned to XXXX XXXX. I was not aware that this occured, so I continued to send my payments through to the account that I had setup foXXXX XXXX with XXXX XXXX XXXXXXXX. For a while, Comenity sent the payments to XXXX XXXX and they were applied to the Visa balance. However in about XXXX of this year Comentiy stopped forwarding the payments to XXXX XXXX. When I finally realized that my payments were not being applied to the Visa account, Comenity had {$5200.00} in unapplied payments. I have called them more than a dozen times since XXXX and have sent 4 letters. I am not getting anywhere with this issue. I have a copy of payments that were posted on my bank account and I can show that no corresponding payments were made to the Visa account. Comenity has been so unresponsive. First they tell me to go through XXXX XXXX XXXXXXXX to dispute and then when XXXX XXXX XXXXXXXX disputes they tell XXXX XXXX XXXXXXXX they will not discuss a customers account with a third party. 

Attached you will find payments that have processed to XXXX but not posted to the credit card. And you will also see the credit card payment history for the same dates. As you will see from the recon file, these payments do not appear in the payment history. 

Kindly assist me in getting a refund for this overpayment.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

. On XX/XX/2023 i paid XXXX XXXX  XXXX dollaras and he went to my business on XX/XX/2023 and paid the remaining XXXX dollars, but for some reason i received an invoice while making the payment and i cancelled it. 
What a surprise that i noticed that the XXXX was charged again as a whole, so i contacted the recipient and he never answered and declined the returns. I called cah app and they said they will look into it and did nothing and said to me that they can not get the funds back from XXXX so the can not return it to me. I asked if they were insured against this kind of problems that it was problem with their app. they said they will open a claim but did absolutely nothing. 
I contacted chase and they got the funds back. but reverted the transaction because cash up submitted paperwork with diffrent dates than the ones from the statement and said that these charges were unrelated and were 15 days appart, and and submitted the dates as XX/XX/XXXX for for {$300.00} and {$51.00} and XX/XX/XXXX for {$350.00}. XXXX was careless enough and did not verify the transactions cash app submitted did not match their transaction dates and returned the money to them. i have been on the phone with chase over XXXX times submitting paperwork and they have been so rude and refused to return the funds and as you can see in the statements they were done on XX/XX/XXXX and on XX/XX/XXXX. 
I also called cash app and they had blocked me from requesting the money back and up to this date XXXX  and cash app have refused to return the fraudulent charge of XXXX dollars. i have submitted the paperwork and XXXX stated that this id=s a claim that was closed and refused to reopen the claim. i spoke with supervisors and XXXX told me that they can not recover these funds. I urged you to help me recover my funds and investigate and check that the dates i provided are the real dated and the cashapp altered the dates to refuse the refund and kept the funds. 
on XX/XX/2023 i managed to access a statement from cash app and it clearly shows the duplicate transaction on XX/XX/XXXX statement which differs from what they replied to XXXX bank..
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX  specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Consumer complaint received 2022-09-19
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. (NJ)

I submitted a dispute to all 3 Bureus and only experian was able to remove some incorrect and negative items from my account. How is it that if all bureus go to the same source and one was able to remove wrong information and not the other. Another thing is all bureus are showing information that does not match and are totally incorrect. Violating my rights to 15 U.S. Code 1681 ( 1 ) and 15 U.S. Code 1666b, as well as Violation of 15 USC 1681b ( 2 ) Permissable Purpose. They concluded their investigation stating items verified but did not provide a verification method on how supposedly the alleged verification was done.
Consumer complaint received 2022-09-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (IL)

According to your response on a previous CFPB complaint response, you said that the previous contract " was not funded ''. However, I never submitted two contracts. I have one contract ( contract # XXXX ). Is this the contract you are referring to? If it is, then you are now saying that the contract is void and holds no value. Seeing how this was an error on your end and the car dealership 's end. This has become a problem for me considering you have been reporting false information to the credit bureaus as I first exclaimed. I hope that you understand the importance of being completely honest regarding federal statutes. Again, there are serious penalties from the federal government for violating TILA. Failing to accurately disclose finance charges, APR charges, and the misapplication of daily interest are shown on contract XXXX.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (LA)

I've had issues with the last 3 billing cycles specifically with care credit company. I am not fully aware of the interest accrued as well as late payments they say were missed. I've been charged unexpected late payments which has affected my credit score as well as balance on card. Every time this company stated there was a late payment I've had to call and speak with different representatives just for them to remove the inaccurate late pays. I need a solution to this frequent problem. I don't feel good as a consumer knowing that this issue has occurred on multiple occasions. I've had to reach out to the financial institution they withdraw money from due to care credit stating they've never received payment from my account and sometimes payments were taken out twice and they stated it was nothing they could do about it when I reached out. The representatives were extremely rude when needing help. There should be no late fees as well as accrued interest. My credit limit has even decreased from {$800.00} to {$550.00} due to erroneous information they stated was on my consumer report. I do not agree with this and the company has to be held accountable for their actions.
Consumer complaint received 2022-09-19
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. (CA)

In accordance with the fair credit Reporting act XXXX  XXXX XXXX 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 a payment on a credit card account under an open end consumer credit plan as late for d purpose
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (UT)

I contacted Fedloan a month ago about receiving a refund for payments made to them during the COVID pause. This particular loan was paid off to Fedloan during that time as well as a portion of another payment to that same loan. I explained to them that because I paid off the loan before my loan servicer was changed to XXXX, that Fedloan would need to submit the request to the department of education. They understood/agreed and said that they would submit the request but apparently have still not done so a month later. I have contacted them 3 times since that first call and they refuse to give any more information than " my request has been received. ''
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My current mortgage servicer ( Shellpoint ) acquired my loan from XXXX XXXX, in approximately XXXX of XXXX. At the time I was paying {$1500.00} per month to XXXX XXXX. XXXX XXXX always set aside a portion of my payment towards escrow. In an escrow account they set up for my account. When they transferred my account to Shellpoint, I was still paying the same {$1500.00} per month. For a while I didn't even know they had transferred my account. But I continued to make my {$1500.00} monthly payment to Shellpoint. It turns out that Shellpoint failed to set up an escrow account for my payments, and they, in fact misapplied my entire {$1500.00} to " principal & interest ''. Not setting aside any amount towards escrow and not informing me that they viewed my monthly mortgage payment as {$680.00} per month.. Yet not applying the remaining {$820.00} to my escrow account. This went on for approximately 2 years.

Sometime during the pandemic, when businesses were shutting down, I received several threats from various collections companies threatening to garnish my wages. I sought the help of a lawyer ( big mistake ) who decided I needed to file for XXXX XXXX, instead of just dealing with the 2 small collections companies who were making the threats. I was not behind on my mortgage. When I filed, based on that lawyers very bad advice, Shellpoint decided that all of the payments that I made and they did not take out any escrow, they would put into their XXXX and claim that I owed them back escrow payment?!? They unlawfully claimed that I owed them in excess of {$14000.00} because I did not make any escrow payments... Even though, I did... But They were the one 's who were negligent in 1 ) Not opening an escrow account for my account until literally XXXX of XXXX. And 2 ) They misapplied the proceeds of my payments by not separating my escrow portion of my payments, and instead applied the entire amount to my principal & interest. Further, they are now claiming that they do not have any record of my most recent payments. I am paying them, they are losing track of my payments. When I call they don't seem to have a clue as to where my money went. Even though I have receipts from my bank for each of my payments!
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was awarded {$3000.00} on XX/XX/2021 Next day I received a text from EDD Alert stating I had to reactivate my Bank of America card and sent me a link that took me to an actual edd website and had me enter my credit card information. I fell for it because of how the website looked and after that a couple min later I received a text of my new balanced someone had transferred {$2900.00} into a savings/checking account which I didnt own a checked or savings account or I didnt authorize that. After filing a claim with Bank of America on XX/XX/2021 I been getting denied and its still under review. Now if I would to go to the website its a broken link
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (NH)

People 's United Bank transitioned to M & T Bank on XX/XX/2022. 
I have been unable to get bank statements for my personal and business accounts prior to this date. 

I am attempting to close on a loan and was told that " only the division presidents can get you this. '' I called for support and was on hold for 2 hours to be told this. 
I went into a branch and was told this. 
When I attempted to write a question in my on-line account it said " we are not accepting on-line questions due to high volume. '' Access to my past bank statements should occur and this lack of transparency in the change is affecting my ability to do business.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have reached out to these companies to remove the fraudulent items and no help I am a victim of identity theft accounts were created please remove these fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (FL)

Ally Auto reported me tot he credit bureau inadvertently. I did not receive any information of a balance due from Ally. We have recently moved our mailing address and notified Ally of the address change. Nevertheless, they kept sending mail to the old address, which has been forwarded to me by the post office. We even received checks from them of reimbursement of leased vehicles which we had credit due to us, but nothing about a balance due. Ally could have contacted us by phone or by my email ( which hasn't changed for three years ), but decided arbitrarily to report the balance due to the credit bureaus for 90 days! The worst is that I was only made aware of the outstanding balance because the lender of my new house informed me when pulling my credit report. Please note I have excellent payment history with Ally, never missed a due date, since 2019 when my company started during business with them. They even had access to automatic account withdraw for their payments. By Ally reporting me to the credit bureau as delinquent my credit score was affected. THis is unacceptable especially at a moment my wife and I are closing on our new home and this situation has dramatically damaged my credit score while applying for a loan. I contacted Ally as explained the situation and paid the balance due the same day I was informed of the issue. I called back and they verified I had paid the full amount but the supervisor wasn't helpful to remove the derogatory remarks.