davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Bread financial is supposed to resolve billing issues before 90 days. 
My issue started and I complained in XXXX of 2022. 
Its been almost a year I want my all my accounts w Comenity/ Bread Financial CLOSED. 
And I want all fees and interest charged to me REFUNDED since no employee of Bread or Comenity could access this account ending in XXXX so I was never able to even pay it off until they figured out the mess they caused.
Consumer complaint received 2024-08-05
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-11-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MD)

Dear Consumer Financial Protection Bureau, Complaint ID XXXX, XXXX XXXX Theycan stop/cancel the foreclosure sale/foreclosure auctionanytime they want.and They can dismiss the case like XXXX XXXX. 

Pleasesee their UNLAWFUL loan documents and their UNLAWFUL Act. 
Primary Residence Property Address : XXXX XXXX XXXX, XXXX, MD XXXX 1.  The loan documents include the compound interest for 11  months and about {$100000.00} construction hold put that into the interest.Those violate the law.There are Rules and Regulations for those lending violations. 
2. Appraisal Unlawful Act : Not only intentionally alter the Appraisal Value in the Loan documents and knowit and refuse to provide the Original Appraisal Report for the loan documents.Also come up with another Appraisal which tries to stage the amount closer to the amount in the loan documents and the value is outrageously low. 
3. There is no more loan extension with XXXX or XXXX  after last XXXX.After that document, there is NO loan document modification or NO forbearanceor NO loan extension I signed .If there is such a document, and asking and sending the statements for the unsigned payment agreement, That document would be FOGERY and UNLAWFUL statements. 
4.When there was a mediation in XX/XX/2024, XXXX XXXX from Shellpoint/ Newrez came to the mediation. He said they will consider to provide for 30-40 years loan. That guy is nowhere to be found. They asked me to send the financial documents to their attorney like tax returns and many financial documents since XXXX until XXXX. 
They did that intentionallytrying to take advantage of the financial information and documents. 

5. Before I took the XXXXXXXX XXXX  loan, there was already so much Equity in the House. The Appraisal report value from Reputable XXXXXXXX XXXX  is $ XXXX.Those are my Labor.My Labor as a Homeowner Builder in all loan documents and Labor theft is Unlawful. 

6. When I emailed XXXX XXXX and Presidents, they find the mistakes and try to fix it and dismiss the case last year.

But when some companies intentionally, premeditated, commit UNLAWFUL acts, it has to be corrected.

7. Many Reputable Banks and Many Reputable Lenders and Many Reputable Companies in the U.S, when theyrecognize they find mistakes or Errors, they willingly correct it and take the responsibility.They have High Moral standards. 
They do Not try to stage or fabricate the documents or the scenes or do Not alter the error and deny. 
That is why Top of the Top Countries in the World and Everyone 's dream.

Please take actionagainst Unlawful Lending acts and Please Protect the Homeowners. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (CO)

I recently opened a credit account with concord credit. It was a destiny Mastercard. When calling to make my first months payment I learned this company ONLY accepts payments from bank accounts and not debit cards and I could go to XXXX XXXX every month to pay the bill. I stated this was unusual for a credit company and severely inconvenient. I stated had I of known this I wouldn't have opened an account. I also stated out of frustration that and I quote " would rather close my account than have to travel to a XXXX XXXX each month to make the payment ''. Next thing I know I'm receiving credit notifications that an account was recently closed. This company closed my good standing credit account without legal reason or express permission from me. My credit score took a hit and after calling and speaking with concord credit, they were supposed to do a phone call review to review the recorded phone call and if it were deemed the account was closed rightfully it would remain closed. That phone call was on XX/XX/XXXX, and the account has not been reopened to date and the company has not contacted me since. These types of bad business practices need to be addressed because they have longterm impacts on consumers like me. I opened a new line of credit to improve my credit NOT tank it. This is wrong and no account in good standing should be closed without signed consent from the consumer. I want the account reopened or EVERYTHING related removed from my credit report.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Illinois XXXX XX/XX/2024 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX , 7XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on ( Date ) or a listing on my credit report ( Choose Which Sentence Best Represents Your Situation ). Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 
( OPTIONAL CEASE & DESIST ) I would also like to request, in writing, that your offices make no further telephone contact to my home or place of employment. If your offices continue to attempt telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

XXXX refuses to answer to why the amount of interest paid on my last payment increased. They have also allocated my last payment to XXXX loan despite it stating at it would apply across all loans, on my payment confirmation ( which will be attached to this complaint ). Since I made a payment XX/XX/XXXX my new due date should be XX/XX/XXXX. They have not reflected this in my account or responded to my email requesting it. 

When they finally responded and applied my XX/XX/XXXX payment across all loans the amount of interest applied falsely increased substantially.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UHG, LLC (IL)

In XXXX, an unknown identity thief opened a XXXX account in my name and proceeded to make purchases and receive cash advances, totaling ( including interest and fees ) : {$2200.00}. On XX/XX/XXXX this account was taken over by XXXX Bank, which has since been taken over by UHG I LLC. Their law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX served papers to my home, to my daughter, in XX/XX/XXXX. We have since been in communication and I filed my appeal, pro XXXX, on XX/XX/XXXX. I received a mailed response from the law firm on XX/XX/XXXX. 

Since this is a case of identity theft, and they used a previous address that I hadn't lived at since XX/XX/XXXX, I did not receive any bills or correspondence. They also used a partial version of my name which is and has never been my legal name, a name that is not on any of my legal ids. Proof of my addresses ( signed leases ) during this case were sent to the law firm as well identifications proving my legal name. I filed a police report on XX/XX/XXXX. 

I did not open this account nor can or should I be responsible for this debt.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NH)

I was getting calls from Sunrise Credit Services , Inc. to collect a debt that is not mine. 
They also were reporting on my credit report to credit reporting bureaus. 

I told the company that the debt is not mine, so they sent me an identity theft victims complaint and affidavit form. 

I am concerned because the company sent me this form and told me to mail it back to them. They are asking for SS #, address, birthdate and drivers license number. 

I dont know if this company is legitimate, or just trying to scam me. 

Please advise. Thank you.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OCMBC, Inc (FL)

We received a pre-approval from loanstream in XXXX and went into contract to purchase a property. We submitted every piece of information that we could possibly give. Our initial closing was slated to be XX/XX/XXXX. On the Sunday before, they requested information ( at XXXX ). We worked diligently to provide this information and submitted it all on the XXXX ( Monday ) in the morning ( est ). We heard nothing. The closing was delayed until the XXXX. Right before the XXXX, they came back asking for more " information '' ( aka conditions ). The issue is that they were requesting things which we had already provided. The closing was delayed again. Fast forward several days, our contact with the seller expired. We are at risk of losing our deposit for the property. LoanStream continued to blame the broker, however, it was determined through personal phone calls which I made, Loanstream dropped the ball repeatedly. Every time that I called, they told me that the loan was being " finalized '' and in " docs ''. They pulled a bait and switch on the very last day of their contract ( we received their " counter '' on the XXXX and THEIR portion of the contract expired on XX/XX/XXXX ) upping the deposit and interest rate. The reason that they gave to us on the XXXX was " can't verify rent ''. They sent a denial letter stating " inaccurate collateral '' which is absolute lie because the property appraisal ( which they received weeks ago ) was {$400000.00} and we were purchasing the property for {$380000.00}. The denial mentioned nothing about the " rent issue '' that they claimed when they tried to raise the down payment and the interest rate. Because of Loanstream, we are out thousands of dollars and have been under constant financial stress and headache for the past 60 days. I have documents to back up my statements, a timeline of events to prove they are at fault as well as the testimony of the real estate professionals and broker. 

They also pulled my credit 3 times in a 60 day span and charged me {$30.00} every time as well as risked my credit score.
Consumer complaint received 2024-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (IL)

XX/XX/year> we received the check from our insurance company ( XXXX XXXX XXXX ) for claim number XXXX for {$75000.00}. That is partial check for the repairs after the hail. Mortgage company Planet Home Lending had to endorse the check and release the funds to me and my wife in order for us to start replacing our roof. They received the check XX/XX/year> with all the paperwork they requested from us. Since then we call them everyday and ask to send us the check to start the work. We have underage kids, our roof is leaking, mold started to accumulate, the electricity is flickering, the weather here in Illinois is getting colder and soon we won't be able to replace our roof because the winter is coming. The lender told us that they will be releasing partial payments and will be sending their inspector to check the progress of the work. We are still waiting for the first check to be sent. Our contractor can not even order the material for the roof and today we were told by the lender that they will send the check soon for {$10000.00}. The replacement of the roof cost {$100000.00}, the contractor asked for 60 % to start the work, he needs at least XXXX just to order the material. We explained this to our mortgage company and they told us to use our own money which we do not have. We asked to at least send enough money to start the work but they refused. We offered them to even send the money directly to the contractor but they declined. We talk to them and ask for help everyday but they refuse. We don't know who to talk to anymore. We are running out of time. Our mortgage company told us different excuse every time we called. We requested them to email us all their decisions through email in writing but we never got any written response from them. Please help us to fix this situation. Thank you!
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OK)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Personal Information : Former : 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 2024-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc. (RI)

I signed up for moneylion app, was referred to loan options who were advertised to be legitimate, and those loan options ended up selling my information to fraudulant scam emails and texts for loans that are fraudulant and or scams. So i have been recieving a lot of emails and texts from those fraudulant accounts that noe have my information and that i know are scams, they all sound the same or similar, they all come from random made up names for companies and or institutions and and they all claim to have signrd me up and just need me to sign for various different amounts for each one email and or text.
Consumer complaint received 2024-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (TX)

Years ago, my mom was a XXXX  customer and I had a line under her phone plan. I eventually wanted to have my own phone plan, but when I went to the XXXX XXXX in XXXX, MI to create my own plan, I was told I could not. Someone stole my SSN and fraudulently created an account with my information. They purchased multiple phones and lines. There was an outstanding balance on the account. I was provided the information about the fraudulent account that was opened using my information from workers at the XXXX XXXX I filled out a fraud claim through XXXX  and the account was cancelled for fraud. I was recently contacted by a collection agency regarding the balance for this account. I have tried to dispute this on my credit report with no luck. I learned that XXXX is now XXXX, so I contacted the support line for XXXX. I was told that because the account was with XXXX and had been closed, the worker for XXXX  could not access that old XXXX account. I was requesting any form of paperwork that could explain this account was closed for fraud and that I was not the one who opened the account nor was I responsible for the outstanding balance on the account, but I was unsuccessful. The support worker for XXXX told me my only option was to go to XXXX, which I did. I was provided an FTC Identity Theft Report. I was also provided paperwork to send to XXXX and the collection agency. The collection agency is Unifin. I have sent them emails and mailed the paperwork to them that was provided to me, but I have not heard back. I mailed them the letter on XX/XX/XXXX. I also emailed them on XX/XX/XXXX and XX/XX/XXXX. I will also be emailing them again today. At this point, I don't know what else to do. This fraudulent account was opened years ago and is still causing me problems to this day.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I had difficulty managing my credit card payments, so I contacted XXXX to discuss possible arrangements. Unfortunately, XXXX declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, XXXX has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all XXXX accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (NM)

Vehicle was a lemon. The dealership nor the west lake would not help to get my vehicle back on the road so I surrendered the vehicle in doing so I still see the loan on my credit. There wasnt even XXXX miles on the vehicle when I tried to turn it in.
Consumer complaint received 2024-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (NV)

On or about XXXX, the then insurance XXXX, XXXX, notified both the mortgage company and ourselves that they were increasing the premium rates by XXXX % over last year. We contracted with another insurance company, XXXX, in XXXX, for the same coverage, resulting in a lower premium rate {$1300.00}, than paid in the previous year. XXXX was notified to cancel and they confirmed that they would cancel on the anniversary date. XXXX began coverage on the anniversary date, insuring no lapse in coverage. 

Village Capital & Investments LLC, the mortgage company, recalculated the monthly mortgage payment reflecting the increased insurance cost change from {$1500.00} to {$1900.00} ( 40 % ) in XXXX and changing the mortgage payment from {$2600.00} to {$2700.00}. They then change to amount to {$2700.00} without explanation. 

I have spoken with numerous personnel at Village Capital, they confirm each time that they have XXXX as the insurance carrier, and that the annual premium is {$1300.00}. I have made XXXX phone calls, XXXX requests that they correct their escrow amounts and XXXX requests that a XXXX call me, and have not received a call yet. 

The monthly principal is {$540.00}, the interest is {$1700.00}, the insurance is ( {$1300.00} / XXXX ) {$110.00}, the taxes are ( {$2500.00} / XXXX ) {$210.00} for a total monthly due of {$2600.00}. NOT {$2700.00} We sent a check for {$2600.00} las month which they are holding but not crediting to our account and are trying to charge a late fee of {$100.00}.