davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN SECURITY MORTGAGE CORPORATION (NC)

We are a veteran family trying to purchase our 2nd home. Weve been working with a mortgage officer named XXXX XXXX at American security mortgage in XXXX NC. He pre approved us back in XX/XX/2020. We went under contract on a home that was contingent upon the sell of our first home. We listed and sold our house. The purchase of the 2nd home fell through due to the sellers. We found a 2nd home, put in an offer and XXXX came back and stated due to covid he couldnt get us financed on that home. This had nothing to do with anything other than the type of home and covid according to our realtor and the lender. So we started looking again. We went under contract again in XX/XX/2020 with a set closing date of XX/XX/2020. On XX/XX/XXXX we were informed only because I asked what time our closing would be that we in fact would not be closing on time. We have been told a different story as to why we couldnt close every single day since the XXXX. I have contacted our mortgage officer daily since the XXXX of XXXX a minimum of 5 times a day, left messages and sent text. My husband has also asked him to please call me, where he replies I will, give me just a few. Every time he physically speaks with my husband and is asked to give me a call back he states he will. Until today, today he informs my husband that he can not legally talk to me. We are a married couple buying a house together where I am on all the paper work and have a power of attorney. I have differing questions from my husband and would like answers. XXXX XXXX is very unprofessional, not respectful of others times and disrespectful. We have been treated very poorly, had terrible communication, lack of empathy, and all around a horrible experience. I wouldnt wish this experience on anyone. At this point we are over a week late on closing and there isnt a solid reason as to why. Every day we are told something different with nothing to back it up. I have reached out to higher management in this company with zero response.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting act 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 I am not liable for this debt with XXXX XXXXXXXX XXXX  and do not have a contract with XXXX XXXX XXXX. They do not provide me with the originial application like I asked.
Consumer complaint received 2024-12-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (MA)

After receiving my complaint about excessive phone calls, up to XXXX per day and texts and emails on the same day they agreed to place a XXXX not contact on my account. This was XX/XX/year> on XXXX they called twice in the morning which I again asked them to stop. They agreed that they made a mistake and called after the do not call was issued days earlier. These repeated calls interrupted my doctor 's appointment which was an embarrassing situation. 
Again they failed to follow FDCPA and should be held accountable to the Federal law and the Massachusetts collection laws. 
I am requesting the maximum penalty because of the aggressions that should have ended. 
XXXX XXXX XXXX
Consumer complaint received 2020-11-19
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. (GA)

Equifax placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and XXXX. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I have tried Numerous of times to dispute XXXX XXXX XXXX  accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXX state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The XXXX XXXX XXXXk XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Consumer complaint received 2021-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (NV)

I had a solar panel system installed, the finance company. whose name is goodleap, has been withdrawing funds from my account, to make payments on the solar system, which has not been completed, and is not a working system, several attempts to have them correct the problem of withdrawing funds from my account for a none working, uncompleted hook up system. has not been rectified by goodleap to return those fund or correct the installation problem to a working system have all failed, what do i do about this.can you help?
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have all evidence for myself if needed from my statements. I made one order from XXXX on Thursday, XX/XX/XXXX. I do not have any other orders displayed on my only XXXX  account after or before this. Ive only used XXXX once and afterwards I started using XXXX. As I go through my statements after being denied a refund from my bank, I see transactions start again in XXXX. I also had {$110.00} worthy of money taken from my purse at work. I never thought to check my cards because I work with teens. XX/XX/XXXX two purchases were made on XXXX. One was for {$68.00} and the other for {$29.00}. Then on XX/XX/XXXX it was {$19.00}. I never even signed up for a free trial with my account. On XX/XX/XXXX I had a {$9.00} transaction for a XXXX XXXX. I had no more charges for food order, but I was charged every month until I noticed the transaction in XXXX for the XXXX XXXX, same amount of {$9.00}. My bank denied me {$160.00} for all unauthorized charges because they were authorized by me or made by someone who had permission to use the card or account. I never gave anything permission to use over {$150.00} of my money. My bank ( Bank of America ) said they gathered information from my merchant, but no food was delivered to my address, there isnt any of these transactions under my account, and I never personally signed a receipt or contract with anyone. You cant assume I let someone charge my card if I say I never did that. I would never let anyone continue to use my debit card for 5 months after I used XXXX only once myself then try to be the money back from my bank. It makes no sense.
Consumer complaint received 2023-04-02
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: CBC Companies, Inc. (NY)

Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$6400.00} View Details 4 XX/XX/XXXXXXXX FEDERAL STAFFORD LOAN  Repayment {$6400.00} View Details 3 XX/XX/XXXX FEDERAL UNSUB STAFFORD LOAN  Repayment {$2100.00} View Details 2 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I opened my account XXXX of XXXX. I have made all of my payments for this card. I did have 2 late payments, never a missed payment and I always paid the late fees. One of the late payments was when I was sick with XXXX and was unable to make a payment on time. I got a credit consolidation loan and was able to pay off the balance of this card in XX/XX/XXXX. I had only been able to make the minimum payments due to XXXX related financial struggles. I even made a second payment shortly after my lender sent in the payment for the majority of the balance but there was more interest that accrued that was not accounted for in the lender payment. I planned to use this " XXXX  Credit Card, '' as it is advertised, for several purchases I need to make in order to not pay interest and so I could have my pets medical needs taken care of and my XXXX yr old son could get new glasses and not have to wait until I can save the money needed to do so. Shortly after, less than 30 days, paying the remaining balance the card was canceled. I was notified of XXXX  my credit app that keeps me in the know about theses things. I called Care Credit ( Synchrony Bank owned ) and asked why and I was told that it was due to changes on my credit report since I opened the card. I don't see how a company can close an account based on your credit report changes and not based on your payment history and how you have handled the account. How can a company do this when it negativity effects my credit which it the very reason they canceled me!!!
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a checking account with XXXX XXXXXXXX XXXX ( acquired by Capitalone in XXXX ) which was closed in XXXX. I recently contacted the bank to request bank statements for the year XXXX as I had have very important information that matter to me to check my transactions and all the wiring in and out money to my bank account. One of the managers I spoke to confirmed through an email that the available statements they have of my account is from XXXX onwards and she made a request for the concerned department to mail them to me. After 10 days, I received the statements from only XXXX. I called again and left a complaint that this isnt the statements I requested, they said we dont provide clients statements dated longer than 7 years. I politely told them that not providing me with those statements will cause me a huge loss as it is the only proof I would have that to settle my accounts payable and receivable. I have been trying for three months now with no success. I just want those statements from my account to be sent to me even if it has to be a paid service.
Consumer complaint received 2021-05-07
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: AmeriCash Holding LLC (AR)

In XXXX of XXXX, XXXX XXXX XXXX XXXX ( my spouse, from whom I am divorcing, XX/XX/XXXX ), obtained a payday ( personal loan ) for {$1600.00} by providing knowingly false and inaccurate information to AmeriCash Loans. XXXX XXXX XXXX XXXX provided AmeriCash Loans an inflated and false household income, including my net income as added household net wages ), in order to fraudulently inflate the loan amount he received for the payday loan. As I had absolutely no knowledge of an AmeriCash Loan loan application, nor any other rogue financial endeavor of XXXX XXXX XXXX XXXX, I did not approve or provide consent for XXXX XXXX XXXX XXXX to provide my information as monies in consideration for his personal payday loan. AmeriCash Loans failed in due diligence to verify and deem all information and documents provided by XXXX XXXX XXXX XXXX as true and accurate. As a result of willful disregard for financial rules and regulations by XXXX XXXX XXXX XXXX, in addition to negligence to verify the information provided XXXX XXXX XXXX XXXX by AmeriCash Loans, I have suffered compensatory damages, as well as injury to my credit and credit score.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

All 3 credit bureaus. Experian XXXX and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (GA)

XXXX placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and Experian. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (NY)

Dear Consumer Financial Protection Bureau I had Purchased a XXXX XXXX XXXXXXXX XXXX which was XXXX : XXXX from XXXX XXXX XXXX  and the Address is for XXXX is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and XXXX made me a Merchant owner for the XXXX XXXX XXXX. However, after purchasing that Merchant website from Mr. XXXX XXXX which was the Senior Marketing Consultant for XXXX XXXX XXXX I realized that the New Business is not making any profit despite my time and effort. In addition, Mr. XXXX XXXX took Electronic Signature from me for the Retail Installment Contract for XXXX XXXX XXXX along with other Initial Signs before I read the Contract Paper Properly including XXXX Disclosure Form, XXXX shipping program rules, and Buyers right to cancel and notice of cancellation. Well Unfortunately the transaction date was XX/XX/XXXX and Mr. JXXXX did not ask me to read the contact paper before he approved the virtual online store finance Amount which was {$2800.00} and XXXX XXXX XXXX Charged my XXXX XXXX Credit Card ending in XXXX {$1200.00} for the down payment of the Retail Contract. 

Moreover, when I requested Him that I am unable to Continue the New Business and I would like to close the New Business he Initially refused but later send me the closing form where I had Signed to close the New Business. The Merchant website was closed and the business was totally closed. However, after two three months of closing the Business I had received the Debt Validation letter Along with the Retail Installment Contract from a Collection Agency Named Monterey Financial Services , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Since then they are keep sending me debt validation letter until this year XX/XX/XXXX and they are randomly charging the Interest amount on the Initial retail Installment which was {$2800.00}. 
Also, they had opened a report on XX/XX/XXXX to the XXXX and the XXXX the leading credit Bureau Agencies. Currently on XX/XX/XXXX the XXXX  report showing the collection Amount of {$4000.00} and The XXXX  XX/XX/XXXX report showing the Collection Amount of {$4000.00} I have all the supporting document Retail Installment Contract, XXXX XXXX Merchant Account along with the XXXX disclosure form, Buyers. Right to cancel and notice of cancellation. Including the XXXX Account Closure Form. Please check all the document along with this description letter. 
In Sum, I want to take this collection off from the XXXX, and XXXX Credit Report and Dispute the debt amount from the original Creditor Which was XXXX XXXX XXXX
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (MD)

My name XXXX 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 2021-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc. (MA)

Company : Binance.US I began the process of registering an account with this company, and stopped when I realized they were collecting a significant amount of confidential private information ( SSN, ID, biometrics ), did not disclosure they were not regulated in my state of residence, and did not disclose the company has previously had a significant data breach. I stopped the verification process, and asked the company to please delete my account and confirm that personally identifiable information was deleted, since I had not completed the registration. 

The company has no phone number listed and wrote back one time in response to my 5-6 messages stating that are not willing to comply citing non-specific regulations. 

The company has not responded since XX/XX/XXXX. 

Im in the process of retaining a privacy attorney and that your organization can spare us this expense and reach a solution. 

XXXX needed to place credit holds on our accounts in the meanwhile. Fortunately we never linked our bank account to this organization but we are concerned about their negligence in safeguarding information, lack of transparency, and refusal to remove our information. 

Thank you for investigating. 
XXXX XXXX