davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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: MoneyLion Inc. (CA)

My identity was stolen to create the Money Lion account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( Money Lion ) that extended the loan. I checked my bank account the following day before I called the Money Lion company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this Money Lion company. I immediately called my bank to freeze my accounts, then proceeded to call Money Lion to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this Money Lion company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/XXXX, I received a letter from TD Bank stating that an account had been opened in my name. I called them on XXXX to report this and told them I did not open this account. I was told that it had already been reported and closed. I was told I could call back to see where the process is. I was given the names and telephone numbers of the 3 credit bureaus.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter. 
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim. 

Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. 

I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully. 

" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817. 
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX. 
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX. 
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).
Consumer complaint received 2024-10-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

To Whom It May Concern, I am writing to formally request validation of the alleged debt of {$710.00} attributed to Midland Credit that appears on my credit report. As a consumer, I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I demand that you provide me with the following documentation : Proof of the original debt, including the name of the creditor and the amount owed. 
A complete account history detailing any transactions related to this debt. 
Any documentation that proves that Midland Credit is authorized to collect this debt on behalf of the original creditor. 
Until I receive this validation, I consider this debt to be in dispute. I expect you to investigate this matter thoroughly and provide me with the requested information. If you fail to validate this debt within the statutory time frame, I demand that you immediately remove it from my credit report. 

Additionally, I reserve the right to take further action if this issue is not resolved to my satisfaction, including contacting the Consumer Financial Protection Bureau and the relevant state regulatory authorities. 

I expect a prompt response to this matter. Please send your reply to my address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

A few months ago, my daughter wrote to the Consumer Finance Protection Bureau about Santander and I wanted to put my two sense in too because Santander is an awful company. It preys on disadvantaged people. 
I am on a fixed income. I no longer work because of my XXXX. However, I had a need for a car because transportation is very limited in GA. So, when I was approved for Santander I was naturally happy until I realized these past years what they have been doing to me and many others like me. 
Most importantly, I am writing this email because while rifling through my paperwork I noticed that the contract I had for Santander does not match my car. I requested ( had my daughter to request ) a copy of the original contract from Santander a month ago and I have yet to receive a copy. I think they are aware of their error but continue to collect money from me for a car that is worth less. The only paperwork I have does not match the car I have. It was a while back and maybe I am mistaken but I will attach the information I have to prove this error. I have asked them to send me paperwork to verify and have been ignored until this day. I have tried to establish an online account with them to keep track of activities and payments and I have been told I need to pay the entire amount due first in order to gain access. How am I to track and verify all the fees I am being charged? So, I am writing this letter to get some kind of response and help for their deceitful ways. 
I am old, tired, and XXXX. I do not wish to continue fighting with this company, they wear me out. I just need help and clarification. I am very disappointed in Santander. Please help me. Thank you.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

On XX/XX/2017, I disputed some hard inquiries on my Equifax credit report that I do not recall authorizing. I checked the status of the dispute on XX/XX/2017 and my results were ready. However, the date that the information was verified by Equifax shows XX/XX/XXXX. That 's the same day I initiated the dispute and I feel as if they did nothing to actually verify if the information was factual. The statement or response that I received back from Equifax is that the items were indeed factual. After viewing the results, I called Equifax and asked them their process of verifying that the information was correct and I asked how they were able to verify and investigate so quickly. I was told by 2 representatives that they do n't dispute inquiries and that I should just wait and let them fall off of my credit report when the 2 year time period is up, or either contacting the creditors. One of the creditors is a car dealership. I called the number on the report, but this particular dealership is no longer the same and has been bought by another company. I called Equifax again to explain this and I asked again their process of verifying the information, because clearly, an investigation was never initiated if they did not know that the dealership is now owned by another company. Again, I was told to wait until the inquiries fall off in two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) AND 611 ( A ) ( 1 ) states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received results in 2 days ( even though on the dispute status page, results were ready on XX/XX/XXXX ), one can assume that there was no investigation into the matter. I 'm at the point that I 'm frustrated because no one I 've spoken with at the credit bureau is even taking the time out to listen to my complaint. I am a single mother of XXXX who 's trying to rebuild my credit so that I may qualify to purchase a home. The hard inquiries on my credit report display as a sign of financial trouble when it 's not at all the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that I do n't recall authorizing. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
Consumer complaint received 2024-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN FINANCING CORPORATION (CO)

American Financing refinanced my home without my knowledge and permission. XXXX was allowed to approve loan for over {$100.00}, XXXX ( cash out ). for a man with a XXXX score. The total amount was over {$200000.00}. My XXXXusband and falsified the application so the loan could be approved without my knowledge and caused my family to lose our home. I did not discover the amount of the loan and the false information that was provided to get approval. I am not sure how many other families have been destroyed in the manner of mines. This situation also cost me my marriage due to the deception that my XXXX  husband did as well with XXXX XXXX. We have had many sleepless nights and pure XXXX  from what did to my family. I believe they should be held accountable for their actions and shut down to ensure this will never happen to another family. American Financing should be responsible for the payment as well since it was given purposely and caused the destruction of a family
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Siggi LLC (NY)

The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (ME)

Investment fraud + deception hinged on " Promotional Investment ''. ( XXXX incentive ) A check for a 90-day minimum investment amount ( XXXX ) was cashed on XXXX by the banking institution ( Goldman Sachs MARCUS ) . The check was submitted to the address provided by the bank. They couldn't corroborate receiving the funds despite bank 'roller ' numbers on the back of the check and deposit tracking numbers are indicative.. ( The bank clearly deposited the funds, It required nearly three months for the institution to track where " they '' deposited the funds. ) In the interim it took : 18+ hours of phone calls, 17 different customer service reps in 3 US states, 4 escalation reps, 5 supervisors, 4 fraud dept. specialists to net a {$25.00} XXXX XXXX  ( The bank re-opened the account on their own volition ) and during the entire period " promises '' that the ( XXXX ) promotional incentive deposit would be executed providing the funds were not withdrawn. 
At day ( 90 ) I requested the account be closed and funds returned. The bank said another 14-days would be required. On days ( 104 ) I REQUESTED the account be closed and they informed me " you didn't meet the deposit 'deadline ' of XXXX. We are not honoring the promotion deposit ( XXXX ). Then they indicated the issue was 'under revue '. We waited another ( 5 ) weeks and were informed that they notified me : " we are not compensating you the promotional ( XXXX ) incentive. They also ( Falsely ) stated : " we informed '' you of this. Cleary the latter " Informed '' is less than forthright.
Consumer complaint received 2017-04-12
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Randolph, Boyd, Cherry and Vaughan (VA)

In XX/XX/XXXX or XX/XX/XXXX my wife and I purchased a vehicle. I was XXXX in XX/XX/XXXX. She defalted the loan. I have n't received any coorispondence related to this defaulted loan. Whereas my wife and I where not communicating I lacked any paper work pretaining to the loan. The dealership that said vehicle was closed. XXXX and I only talked at court about the child. I have attached here past adresses of places I have lived pulled from my credit report. The contract was signed in XXXX county. Also attached are court dates none of which I was subpoenaed for. Im currently working in XXXX. I live in XXXX. My company travels alot relatively local but not close enough to drive back and forth so hotel stays over the corse of a week are necessary. Randolph cherry byod and vaughn have shut my bank account down. I find out on my way home from work on friday in need of gas. No corripondence so I havent a clue as to whats going on.. this week is my vacation week and I 've been under terrible XXXX the whole time.I missed a freind of mines XXXX that I had a ticket to for lack of gas money.I called them on Monday pleaded with them to cut me a deal work out payments or anything they already received XXXX from my account on a XXXX debt. If this was in XXXX i wouldve received notification of said court date I wouldve attended it.. this manner of collection is illegal unfair and detrimental..
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 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 2024-09-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$19.00}
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.