davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (GA)

On XX/XX/2023, Moneylion closed my Roarmoney checking account. I have been unable to log in ever since. On XX/XX/XXXX, Moneylion took money out of my main bank account for the active credit builder loan I have with moneylion. Once again, I can't log in or access any of my accounts now. I emailed customer service. Today they emailed me and said account was closed for suspicious activity. I do not have any " suspicious activity ''. I barely use the accounts except to pay the loan and occasionally invest or get a cash advance. I don't understand why I have been a customer for years and my accounts were closed with no notice for " suspicious activity '' and no explanation was given. I am still getting charged membership fees, loan payments and I can't access my investment account or access instacash advances. Moneylion is charging me for services that they will not let me use because they closed the Roarmoney checking account. I have repaid many loans over the years and they abruptly closed my account and will not restore my accounts or let me log in. Calling and emailing customer service does not help, they will not explain anything or help in any way.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

COMENITYBANK/VICTORIA card was opened under my name on XX/XX/2023 for {$380.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (AZ)

Every month since the loan inception, at my time of payment every month I have attempted to pay additional principle payments on my loan. When you attempt to pay extra or when you attempt to pay any late fees incurred the system only allows you to pay the standard payment. Any attempt to differ the payment amount is met with an error that returns you to the payment page. The only way to complete the payment is to pay a normal payment of the exact monthly payment amount. The company has actively stopped me from paying off my loan early and I have also incurred late fees that I am unable to pay. When you try to call the company you are placed on hold for hours only to ultimately have the call time out. I have documented this problem with screen shots and video evidence of the problem. This is likely happening to everyone customer they have in an ongoing scheme to keep consumers in high interest loans as long as possible. This has left me in a situation where I can't refinance and can't pay down my loan quicker in an effort to increase my chances of a successful refinance. This has damaged me financially and has affected my ability to raise my credit score. Had this not occurred I would likely have made the equivalent of 3-4 full payments as principle on the account and would have avoided XXXX  late fees.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2023 at about XXXXXXXX XXXX My son XXXX XXXX called customer care for Comenity Bank who issued the Bealls Outlet card. Phone # was XXXX I gave him lifetime permission to speak on my behalf. He spoke to XXXX employee # XXXX she was rude and didn't want to transfer him to the collections department. She refused saying 'I will not allow you to be transferred you do not make decisions for your mother '' I had to get on the phone and tell her to transfer him. My son was not making decisions for me but rather helping to settle a debt through a lump-sum settlement. After he was being transferred they decided to hang up on him. This was unprofessional and ridiculous behavior for a company to display toward a customer and their family member. I want to free some credit and help my credit grow in the long run.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NJ)

I sent a letter in XX/XX/XXXX to First Credit Services requesting to validate the debt listed on my credit report. They sent me a letter in response in XXXX, they were unable to do so, but have not removed the debt from my credit. 

They have called me in the past and I clearly stated I ended my membership in person to the gym and did not owe any money. The gym wanted to charge me for personal training services in advance in XXXX because COVID began scaring off patrons. I cancelled my personal training services due to the uncertainty. They went ahead and charged me anyways. I told spoke to the manager and he stated they would resolve it. Instead they sent me to collections. 

I am now dealing with a debt collector who can not validate the debt at all and will not remove it from my credit. 

I will send another letter however it has been 3 years of me attempting to resolve this issue.
Consumer complaint received 2016-03-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

I have been working with Wells Fargo related to an equity line that ballooned XXXX XXXX. Over a year later I was finally able to get Wells Fargo to make payment arrangements with me ( Reference previous CFPB case # XXXX ). After contacting the CFPB I was finally able to get Wells Fargo to make payment arrangements. I began making those payments in XXXX XXXX and I was required to make 3 trial payments - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$300.00}. I made all 3 payments in a timely manner. Then in XXXX XXXX I began making payments of $ XXXX/mo. I was sent a loan agreement in XXXX which I was required to sign. I took issue with language in the document and the credit reporting by Wells Fargo and filed another complaint with the CFPB regarding that matter. In addition I sought legal counsel and retained the services of XXXX XXXX XXXX to review the loan document. I executed/signed that document at my attorney 's office and it was notarized and sent back to Wells Fargo at the address listed on the document. I continued to make payments of $ XXXX/month in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XXXX XXXX, XXXX I received a letter indicating that my agreement was void because I had failed to return the signed document. I immediately contacted XXXX XXXX and left a message for him. I did not hear from him so 2 days later I called again and left another message. My calls were never returned. I was given the name of XXXX XXXX as an internal Wells Fargo contact where I could file a complaint so I attempted to contact XXXX. However, in doing so I reached a person at XXXX XXXX ' number who seemed very helpful. I explained the entire situation to her. She said that she could not find the signed loan document????? She was going to talk with XXXX XXXX and get back to me if there was anything further that I needed to do. I continued to make payments in the amount of {$600.00}. My loan was finally set up online and I was able to see the payments recorded so it seemed that all was fine. However, today I received my check sent to Wells Fargo on XXXX XXXX, XXXX returned with a letter dated XXXX XXXX, XXXX stating that this " check can not be accepted because it is insufficient to pay off the entire balance on the account. '' I have met all of my obligations in this matter. My legal counsel worked with me to fulfill the required signed, notarized document and yet Wells Fargo now is coming back to me as if to begin all over again and continue this as if none of my payments were ever received. I am desperately in need of your assistance. Thank you in advance.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

The " servicing '' of my mortgage was transfered from IndyMac to Ocwen XX/XX/XXXX. I was invited to and was sent forms for an HAMP mortgage modification from Ocwen at that time. I was subsequently denied a modification, but Ocwen continued to accept my payments from the modification agreement made with IndyMac XX/XX/XXXX. When I was denied a modification, I requested from the agent in charge of my application a response in writing that would spell out what the terms were for the denial. I was verbally assured by that agent, XXXX XXXX XXXX XXXX that I would be sent the information but instead, about a week later I received the formal notice that I did not meet the " eligibility guidelines '' for XXXX. I suspect my income information supplied to Ocwen was fraudulently adjusted and I was hoping I would be given a chance to rectify this situation. The fact that the information requested was never forthcoming from XXXX XXXX or Ocwen suggests that my assumption of their illegal and fraudulent actions was justified. I believe I am qualified for a mortgage modification under XXXX guidelines.
Consumer complaint received 2023-11-30
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. (TX)

I am writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required. 

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter. 

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account.

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities.

Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file 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 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 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 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 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION LAWSUIT XXXX, PLEASE FORWARD TO LEGAL DEPARTMENT. 
I am providing my Schedule Fee of Intent for the damages/rulings of the most recent Transunion lawsuit XXXX XX/XX/2023. I am asking CFPB to supply the invoice ( done in good faith by CFPB ) according to the fee schedule violations, ruled by the court for such awards/fees to be credited via check, Immediately. Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pay to the order : XXXX XXXX XXXX
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

Company : Lexis Nexis Consumer Number : XXXX Case Number : XXXX 1. The company records show an address history at : XXXX XXXX XXXX, XXXX, FL XXXX. I have no knowledge about this address. I absolutely never lived at this address, knows no one at this address, or never received mail of any sort at this address. Please remove this address from my files. 

2. On my auto Insurance report, its shows a claim or an accident reported by XXXX XXXX on XX/XX/. I never had an accident or reported a claim to anyone. Even though it reflects on LexisNexis, when I called progressive to dispute the item, they denied it. 
Please remove the incorrect information. 
3. I also find it unnecessary to list my entire life span address history. It serves no purpose to me or my credit file. Under the Fair Credit Reporting Act, I'm asking that my address history be limited to a few years or as required by law. whether it be three or five, seven, etc.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2015-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

This is a continuation of my original complaint CFPB # XXXX from XXXX. I received a letter from the creditor agreeing with everything as I requested which I am unable to locate at this time. They corrected my report with XXXX but now it is showing up on Experian. Despite my efforts, I have not been able to correct Experian. I have attached copies of my original correspondence. Please help if you can.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed an account through Transunion and they said they have investigated with the company, but this can not be correct, because this is not my account. I can not submit further evidence because I have no evidence since I never had this account. It appears to be an account transferred by XXXX which I think is security or doorbells. I have never had either of these products.
Consumer complaint received 2023-11-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company (CO)

In XX/XX/XXXX I refinanced my home with FREEDOM MORTGAGE with the help of INLINE LENDING who handled all the paperwork. Because of XXXX they sent a XXXX to the house to have all the paperwork signed. We signed all the necessary paperwork, or so we thought, and the loan was processed. In XX/XX/XXXX I received an email from XXXX XXXX XXXX saying that they needed my signature that was missed and that they wanted me to have that document signed, to which I said OK. I then received a voicemail from a XXXX addressing me as XXXX saying that they would meet at a given location ( XXXX is my wife ). XXXX immediately checked with her attorney who advised her not to sign ANYTHING since I was going through a bankruptcy. Mind you I was the ONLY one on the loan and I was the ONLY ONE declaring bankruptcy. 

Since then we have received threats of the loan being called and foreclosure on the property. They also sent me a copy of a document that I signed saying that I would fix any errors that were made, however that document was only good for 365 days after the loan closed. They have also said that we intended to defraud Freedom Mortgage so that we could benefit from the missed signature in some way and that is not true... we did not even know that we missed a signature. 

The fact is that they neglected to do their due diligence and check all the documents prior to processing the loan. According to HUD rules when they accepted our payment of the closing costs they accepted the responsibility of ensuring that ALL THE PAPERWORK was in good order... .IN SHORT THEY PUSHED THROUGH A FRAUDULENT LOAN, BUT THEY ARE TRYING TO BLAME US FOR THE MISTAKE. 

On a separate note they also list my Ethnicity as XXXX on the loan which is far from the truth. 

I am attaching a copy of an email I received from an attorney saying that I need to comply with their requests of face eventual foreclosure of my home for a mistake that THEY made. They have intimidated, threatened and harassed me and my wife for the past few months and they continue to indulge in unethical business practices. Please address this problem... ..Thank you ... XXXX XXXX
Consumer complaint received 2023-11-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXXXXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT # IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

I was offered terms to refinance a current FHA home loan, and proceeded with the loan origination. They were made aware that the seasoning requirement from a previous short-sale was not going to be met until the end of XXXX 2015, however I was assured that they can originate the loan sooner, but would not close it until the seasoning timeframe was met in XXXX. As we neared closure, I was then informed that the underwriters would not accept the loan since it was originated prior to the seasoning requirement, and was not acceptable even if closure would not happen until XXXX. This was not in alignment with what I was originally told. The rate lock then expired and another loan was originated in XXXX. This loan then sat waiting for " pricing exemptions '' and other rate adjustments that the loan officer was trying to push through to match the original terms from the 1st origination. This then lead to another expiration of the rate lock. Now, the mortgage company is offering me terms that are much different from what was originally agreed to, which includes a higher loan amount to cover the rate re-lock fees ( which expired due to issues on their end ), as well as to cover PMI, which they said was going to be lender-paid in the original terms. They 've also done a 2nd appraisal to on the property in order to try and further adjust terms and costs.