davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

I haven't taken out an loan out from Bright Lending because it seems to me after reading over the lender Loan Agreement And Disclosure Statement it seems to be unpractical and more towards predatory lending. 

I was taking out a loan for only {$800.00} but their Annual Percentage rate was set at 674.9888 %. Finance Charge {$2900.00} with a total payments of {$3700.00}. 

I thought that was a little much so I called and asked to speak with someone about the Loan Agreement. My question was why didn't the Loan Disclose a early pay off and NO ONE could answer my question or could tell me anything about an early pay off option and what that would be. I asked was it 5 -10 pay off but got no answer accept that it depends. My question was depends on what? They kept putting me on hold to fine out but could never give me a straight answer at all. So I said you could put all these unreasonable finance charges {$3700.00} for a {$800.00} dollar loan but you cant tell me anything about early payoff for just the {$800.00} without all these fees. 

I don't know the law but in my heart I truly feel this is a Predatory Lending Company and they need to be closed down. Its company like this that destroying peoples lives and future. Please look into this! I can provide you a copy of the Loan AgreemenXXXX Thanks XXXX XXXX XXXX
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (RI)

During the sales process of a new lease at XXXX Acura in XXXX, MA, the car I test drove is not the car I leased & the differences and details were not disclosed to me. The lease terms were fine, but the vehicle I thought I was leasing is not what I received. Additionally, the remote start feature did not work as disclosed during the sales process, which were also explained wrong during the vehicle walk through. I 've tried to resolve directly with the General Manager at the dealer. The options were I could pay more money, or keep what I have. I was n't willing to take it off the lot the day of pickup, but I was told I had to because it was registered to me.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OH)

Today I was sent a notice of adding more fees to my already ridiculously high fee schedule. I have paid over XXXX $ to this company in fees for withdrawing my OWN money whilst also incurring fees from the ATM holder. Now they've updated that as well and changed the entire network of ATMs to ones that are scarce. They're forcing us to pay these ridiculous fees and all I was told was I could close my account. This is preposterous and illegal!! Taxation without representation is a crime. These fees may as well be considered a tax for being poor or having a financial prison for those who don't wish to have a traditional bank account due to lax cyber security surrounding identity theft and fraud, a headache that many do not want and chose prepaid as an optional replacement. How is this getting by with anyone? 
If I'm going to be bound to pay these fees, I should XXXX well be able to speak to a person in AMERICA who speaks ENGLISH and can Understand me, not to mention the level of service is NON existent. Why is this ok?
Consumer complaint received 2019-11-19
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. (UT)

XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.
Consumer complaint received 2019-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MA)

On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income due to been laid off from my job and due to being victim of a real estate scam ( currently being investigated by the Massachusetts Attorney Generals Office ). I completed the modification packet provided by USBank Home Mortgage and faxed all requested documents as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX. I followed up on XX/XX/XXXX and I was informed that I needed to submit prove of my mothers social security benefits as well as her monthly bank statements for the last three months which I submitted on XX/XX/XXXX. I followed up again in XX/XX/XXXX and at that time I was told that they had not received my documents and that I needed to resubmit the entire package and documentation again. I resubmitted everything again that same day. By XX/XX/XXXX, I had yet to hear from them regarding my application, so I called them to find the status. To my surprise they informed that my house was scheduled to be auctioned on XX/XX/XXXX and that I was out of time to submit the modification package since we were 6 days away from the auction date and that the deadline to submit the package is 7 business days prior to the auction date. I said that I had already submitted the package back in XX/XX/XXXX and again in XX/XX/XXXX. After waiting on the phone for more than an hour, a supervisor came on the phone and told me that they have the application, but I had to wait for them to review it. I asked if they will not postpone the action since my application has not been reviewed, and their answer was that I had to wait for them to review the application first and then they will make a determination. I asked again if they will have a determination before the auction date, and the answer was they didnt know. I said to them how can they have an auction on my house while my application has not yet been reviewed to which the only answer was you need to call every day and just check. 
As you can see, I did not receive an answer to the question I posed to the supervisor at USBank. How can USBank auction my house while in the process of reviewing my application for a loan modification? I need assistance postponing the auction on my house scheduled for Tuesday, XX/XX/XXXX. I am a single mother of a minor child who lives with me fulltime as well as my mother who is XXXX years old.
Consumer complaint received 2024-11-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (VA)

I *believe* the original debt is from XXXX 
I'm guessing because I have never seen the bill, from the original supplier or from this collector - IC Systems. 
I want to know what the charge is for, for what service. 
I closed this account with a {$0.00} balance and years after, this went to collection. For {$120.00} that I do now owe and I'm not going to be extorted for {$120.00} when I have never seen any evidence of what the dispute is over. 
Moreover- this IC Systems submits the collection to credit reporting agencies, revokes it, and then re-submits it months later to avert its expiry. So, it shows up multiple times over years, still with no proof of the original debt. 
I will NEVER EVER pay for a debt I do not owe, *particularly* when it's part of this IC Systems extortion scheme and terrible business practices.
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

in XXXX, XXXX and XXXX XXXX fraudulent bank accounts were opened in my name without my consent. This is identity theft I've never attempted to open an account with these banks at those times. I would like this removed from XXXX XXXX XXXX as soon as possible, for it is preventing me from opening any bank accounts. Thank You
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MD)

My brother suffered a massive XXXX on XXXX/XXXX/XXXX. His ex-wife added herself to his checking account without consent from him. I am his sister and I became POA on XXXX/XXXX/XXXX. As I was going over all his financial and personal business, I discovered she had spent from his checking account {$140000.00} over a three year period. I visited the branch on XXXX XXXX where the branch manager name is XXXX XXXX. Once he gave me a copy of all the transactions, I questioned the transactions and he responded I need to get an attorney. I did XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorney at Law. XXXX XXXX sent several inquiries with no result. I then contacted XXXX XXXX, the President of US Bank, on XXXX/XXXX/XXXX. He sent me a text to my cell phone to let me know " the situation is being investigated and we have turned over items to your attorney. I can check but not sure what all I can do locally its now in hands of your attorney and our legal ''. As of date, I nor my attorney have received such information. My brother has served 25 years in the XXXX and he entrusted US Bank with his retirement funds. He has been in a XXXX home for 3.5 years, and I just purchased him a home in XXXX Indiana. He needs his money now so he can try to live a normal life once again. What I want US Bank to do is put in writing how they protected my brother 's checking account according to their US Bank Protects listed below : U.S. Bank Protects You Your protection is the highest priority for us. Our state-of-the-art tools and monitoring system ensure your identityis safe. Verification : when you change an address, for example, we request specific information about you to verify your identity before making any changes. Account monitoring : irregular account activity ( check orders, address changes, heavy withdrawals ) prompts a phone call for confirmation. Fraud detection : we have account-monitoring tools that recognize ID theft. We regularly receive information about known fraudulent addresses and phone numbers, and we compare them to new account requests and account changes. Communication : we contact you regarding any suspicious activity associated with your U.S.Bank account ( s ) I will forward all my correspondence upon request as there are too many to upload. Thank you
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I. C. System , Inc. has the audacity to try to ruin my credit by reporting a debt that dont even belong to the agency. This is a third-party agency buying debts and ruining consumers ' credits. This debt can prevent me from getting a job. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In  XXXX     2016, we were having trouble making payments on our loan from Specialized Loan Servicing as  the payment went up by a {$1000.00}. Our monthly payment went up from  XXXX  to  XXXX . We requested a loan modification and were finally approved in  XXXX     2016  after months of being given the runaround. Once we were approved for a loan modification we did 3 months of trial payments for about  XXXX . Once we got the official agreement, the payment went to {$2700.00}. Basically, we are back at where we started and ca n't afford that payment. Their customer service tends to be rude.  XXXX   XXXX  sold our loan to SLS and ever since then we have had a lot of problems. I feel like they tricked us and gave us temporary relief with the trial payments we could afford and then when it was time to make if official the payment went way up again. How does this even make sense. We are very frustrated with the process and not sure what approach to take next.
Consumer complaint received 2019-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

Last month in XXXX, I was searching for an installment payday loan. I was in contact with a company in XXXX, Ca., I needed to submit additional information, but I was at work and unable to send them the information. The next day, I discovered the money I was asking for in my bank account. I presumed it came from the company in XXXX, it was not. It was from a different company. They just put the {$1000.00} into my account. With that said, I did need the money, so I went on about my way. A month later, I decided to pay off the loan, only to discover I was RENTING the {$1000.00} for {$300.00} every two weeks. When I called the company and told them my story, they did not believe me. I do not remember agreeing to this account or the way payment was to be collected. I spoke to a man and he said, " You did not read your contract ''. When I continued to come to an agreement, he said I was threatening him, so I disconnected the call. I was told by a friend that their loaning process is illegal. I feel I was trapped because no one spoke to me over the phone nor did they have me sign a contract. Please assist me in this matter. This " company '' has already received {$600.00} on a {$1000.00} loan. I also believe this company got my information online and just acted. The company in XXXX actually had a live person to speak, whom I thought this loan came from. Thank you
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a XXXX  filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly XXXX SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC (MI)

XXXX I contacted Mortgage Center of XXXX MI to inquire as first time homeowner. I was assigned to XXXX XXXX loan advisor. We complete the application and many documents were submitted. This process was unique because I already live in the home and I am purchasing from my father. XXXX informed me that my interest rate was 3.750 % I would have FHA loan, No money down, due to equity in the home given as gift from my father. I had to pay for appraisal {$420.00}. I found homeowners insurance $ XXXX year. Then they stop communicating with me. XXXX I was told another application is needed because of the time lapse from first application. So we redid all the wording and i sign a new application. Then I had to resubmit every document sent from XX/XX/XXXX. Time went by nothing XX/XX/XXXX XX/XX/XXXX I was requested to send check stubs and letter stating why I have inquires on my credit report. Then my time lapse with homeowner insurance so the police had to be rewritten, I lost the great deal I had. XX/XX/XXXX request for appraisal. Then nothing XX/XX/XXXX I was ask again to re-sign same documents I sent in 8 times and produce more explanations. Today XX/XX/XXXX I was emailed stating they need me to resubmit a brand new application and my credit need to be pulled again. They are not going to proceed with me unless I have a new application and they have various options for me. 
I feel like they are doing this because I am XXXX and they are not making any money on this deal. I have followed all their guidelines as requested and they refuse to process my application underwriting has sent me through the games and now I still dont have a mortgage at all. I would like so help to shine light on how this company does new home owners and lack of no communication and blame other people in the company for their down falls. Please help me. Now I am forced to take my business else where.
Consumer complaint received 2021-05-21
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. (NY)

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Consumer complaint received 2019-03-23
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: LEXISNEXIS (GA)

This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Consumer complaint received 2019-03-22
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. (LA)

I have been paying child support for years. The 1st case, I paid child support for a child that was not my child. I went to court and the judge did a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after years of paying support. The Louisiana Department of Child  support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, XXXX, Equifax  and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (UT)

Hyunday Capital America is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.