davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Real Time Group, Inc. (CA)

I am writing to file a formal complaint against RTR regarding the handling of my loan repayment plan and the transparency of the statements provided. I recently received a response from RTR ; however, I do not believe they are genuinely attempting to offer an acceptable payment plan that aligns with my financial situation. 

RTR proposed a payment plan that, due to my current financial hardship, I simply can not commit to. Despite explaining my financial difficulties to them, they have not been accommodating or understanding of my circumstances. They did mention that they would fix and reverse the fees that were added to my account, but I have yet to receive a clear statement reflecting these fee reversals. 
They have confirmed that both legal and interest fees will be reversed in recognition of my consistent payments and the existence of a temporary payment agreement that stipulates a 0 % interest rate. 

Furthermore, the statements provided by RTR are confusing and unclear. I have been making payments including a down payment for approximately XXXX years, yet the balance on my loan does not seem to decrease. This was originally a {$50000.00} loan, and now RTR is demanding {$89000.00}, which seems unreasonable, especially considering that the investors ( RTR ) likely purchased this loan for pennies on the dollar. 

I find it extremely difficult to work with RTR, as their communication lacks clarity, and they have not demonstrated a willingness to provide reasonable support or transparency regarding my loan. I am requesting your assistance in resolving this matter, ensuring that RTR provides a clear and accurate statement, and helping to establish a fair and manageable repayment plan. 

Thank you for your attention to this matter. I appreciate your help in ensuring that RTR adheres to fair practices and offers the necessary assistance to borrowers in financial hardship.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TN)

I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX, CoreLogic Credco LLC, and XXXX XXXX XXXX for placing unauthorized hard inquiries on my credit report. These inquiries appeared on my XXXX, XXXX, & XXXX credit reports on XX/XX/year>, XX/XX/year>, & XX/XX/year> & has negatively impacted my credit score. 

The XXXX XXXX XXXX inquiry appeared on XX/XX/year>. The XXXX XXXX inquiry appeared on XX/XX/year>. The CoreLogic Credco LLC inquiry appeared on XX/XX/year>, & I have never been affiliated with this company. The XXXX XXXX XXXX appeared on XX/XX/year> & I have never been affiliated with this company. 

I did not authorize these inquiries with XXXX XXXX XXXX, XXXX XXXX, or CoreLogic Credoco LLC that would justify such an action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit report may only be accessed for permissible purposes. As far as I am aware, Discover Financial Service, XXXX XXXX, Corelogic Credco LLC, or XXXX XXXX XXXX did not have any legal basis to access my credit report, and therefore, this inquiry was made without a permissible purpose.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX and AMEX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan, an apartment, a mobile phone account, a credit card account, and a theme park account from XXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX with a balance XXXX XXXX XXXX XXXX with a balance of XXXX, XXXX XXXX XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts or collections are the result of identity theft and fraud.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

I sent a letter to Santander bank in XXXX of 2024. Santander bank settled a lawsuit involving predatory lending and my car was purchased at the time of the lawsuit. My loan was complete, according to the lawsuit but Santander hangs up when I call and says they do not have a loan for me or any of my information. However they have a lien on the title of my car and the XXXX says they must fill out a XXXX release form so that I can get my title to my vehicle. 

( Santander XXXX XXXX XXXX XXXX for {$550.00} XXXX ) https : XXXX
Consumer complaint received 2024-09-03
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: FIFTH THIRD FINANCIAL CORPORATION (WA)

I had someone fraudulently try to access my online banking account that is required for 53.com ( Fifth Third Bank ) to process my mortgage payments. I called them to report the fraud and they told me to call back tomorrow. Additionally, it is impossible to get a human through their online banking or phone routing system. I essentially used * multiple times to get to the credit card department to see if they couldn't route me to someone or help me. 

I am writing this complaint after continual " non-customer service '' and they are not taking any steps to address a fraudulant access to my account. 

I am stuck with them after they purchased my mortgage so I did not choose this bank by choice. 

What can be done to make them more responsive fraudulant activity? 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

In previous years, I had a good credit score and was able to obtain a personal loan from my bank. However, after my divorce, I began to struggle financially and started to use numerous credit cards and had a difficult time keeping up with the payments, resulting in a decline in my credit score. Due to this, I began to only use my debit card to build myself back up financially. In doing this, I was able to build my credit score back up and pay off any debts that were owed. Now, a year has passed after I fully paid off my debts, and I attempted to apply for a personal loan. However, despite my previous payments to rid of my debts, they said they were unable to provide me with a personal loan likely because of my financial history. I was told to report to this company, and I was just wondering if there was any way for me to fully clear out any financial history which may be the cause toward my inability to obtain a personal loan. I am aware that constantly applying for a personal loan may cause my credit score to decline. So, are there any other resources that could help with this current situation, or is there any advice I should take to go through with obtaining a personal loan without any issues? Get back to me when you can. Thank you for your time, and have a good day.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Error Resolution Demand Letter XX/XX/XXXX LoanCare Attn : Mortgage Resolution XXXX. XXXX   XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX . 
XXXX, NC XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage and escrow on my property located at XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made numerous requests to your company and talked to many customer service representatives and supervisors about the error that you company has created, but the issue has not been addressed. 

Your company paid an incorrect tax bill to XXXX County Tax Commissioner on  XX/XX/XXXX. The amount paid was {$4900.00}, but the correct amount owed was {$3300.00}. Your company representatives stated that they would seek a refund and credit my escrow balance. I explained that based on my experience with your company, that I had no confidence that this would occur and that my escrow payment would be adjusted upwards. This is now what has occurred. 

I just received my new XXXX escrow statement and the taxes have been adjusted upward by {$110.00} beginning XX/XX/XXXX due to failure of your company to correct this error. Your company has misappropriated funds from my escrow account and I demand that this issue be resolved immediately. I will not pay a higher escrow amount due to your companys error. 

As I write this letter I have been on hold with your company for over 45 minutes. I cant tell you how many hours I have spent trying to get your company to resolve this error. Your company without a doubt has the worst customer service I have ever experienced. 

I request immediate attention to this matter. I can be reached at XXXX or by email at XXXX. 


Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/year>, I paid a down payment of {$3000.00} to XXXXXXXX XXXX XXXXXXXX for my car using an XXXX XXXX card. A few weeks after I received a phone call from an associate in the financial department at XXXX questioning me about my method of payment. At that time, I informed the associate from XXXXXXXX XXXX XXXXXXXX that I had paid with my XXXX XXXX card, and they should have received the payment already, because I had paid XXXX XXXX in full. On XX/XX/XXXX, an unauthorized charge of {$3000.00} was made from XXXXXXXX XXXX XXXXXXXX to my Checking account. I immediately called XXXX XXXX to make sure they had paid them in full, in which they informed me that XXXX had already received payment. In light of these facts, I believe this was culpable negligence. This negligent act has harmed me financially and mentally. Culpable negligence refers to a situation where someone acts with a reckless disregard for the safety or rights of others, often resulting in harm or damage. In the context of unauthorized debits, it could be considered culpable negligence if the company knowingly or recklessly took money without authorization, especially if it caused financial harm.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CO)

I first contacted SANTANDER CONSUMER USA on XX/XX/XXXX regarding the insurance check I received from my insurance company, XXXX XXXX. The check is intended to repair my vehicle, which sustained hail damage during a recent storm in Colorado. 

Per their instructions, I mailed the check to the provided address, which I confirmed online, on XX/XX/XXXX. Upon calling them on XX/XX/XXXX, they confirmed receipt of the check. I requested Santander to endorse and return the check to me ; however, they informed me of a policy requiring checks over {$5000.00} to be sent directly to the repair shop. The representative advised me to email them at XXXX with my car 's VIN as the subject and include the repair shop details. I complied with these instructions, noted down during the call, and emailed them on XX/XX/XXXX, copying the repair shop and requesting the repair shop to provide Santander with any further needed information ; I also provided my phone number for direct contact. 

Despite this, they neither sent the check nor contacted me or the repair shop until I reached out on XX/XX/XXXX and XXXX. After an hour on hold, they claimed the check was not visible in their system. I insisted it was received, as confirmed by other representatives. Following another 30-minute hold, they acknowledged possession of the check but required verbal confirmation from the repair shop. I contacted the repair shop, and they called and confirmed the repair on my car, and it is ready for pick up. 

Even after the repair shop confirmed, Santander failed to send the check, requiring additional follow-up. Despite numerous calls from the repair shop and enduring hour-long waits, Santander continued to claim they were waiting for information from the repair shop, showing a lack of transparency. Additionally, I sent around 5-6 emails to Santander informing them that I had reached the maximum coverage from my insurance company for my rental and that I am now paying for the rental out of my own pocket. 
At this point, I'm uncertain about how to proceed to secure their endorsement on the check. Since Thursday, I've been covering the rental car expenses myself. The process they've outlined is ambiguous, we've submitted everything they require, yet their communication is non-existent. Continuously calling and waiting is not feasible for me. Just today, I missed a crucial meeting to stay on the line, and after an hour and twenty minutes, they picked up only to disconnect abruptly. When I called back and endured another hour 's wait, I requested to speak with their manager ( ID : XXXX ) and implored her to expedite the matter, as I need rental coverage while they sort out their procedures that began on XX/XX/XXXX.
Consumer complaint received 2024-08-29
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: Affirm Holdings, Inc (MD)

I filed formal dispute inaccurate information on my credit report due to identity theft. Despite my previous attempts to resolve this issue, the disputed items remain uncorrected. Below are the details of my complaint : Account Information : Fraudulent Account Account Number : XXXX Creditor Name : AFFIRM INC Disputed Items : LATE PAYMENT XX/XX/XXXXXXXX  Details of the Dispute : On XXXX XX/XX/XXXX, I discovered that my personal information had been used fraudulently to open accounts in my name. I immediately reported this identity theft to XXXX Credit Bureau Name and provided all necessary documentation, including a police report and an FTC Identity Theft Report. Despite this, the fraudulent accounts remain on my credit report. 

Previous Correspondence : I have contacted XXXX Credit Bureau multiple times regarding this issue, including letters sent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XX/XX/XXXX. Unfortunately, I have not received a satisfactory resolution, and the disputed items have not been removed from my credit report. 

FTC Identity Theft Report : Report number : XXXX
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

I noticed my balance was way higher than it should have been so I went to review statements on my XXXX account, card is through Citi Bank. I called XXXX and the XXXX told me that the entire interest amount for purchase is charged at end of promotional period regardless of payments made. This is illegal. And XXXX purchase would have been fully paid off before end of promotion period. I have been charged over $ XXXX in interest for $ XXXX of furniture and now owe $ XXXX after paying $ XXXX.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

I am writing to dispute an erroneous debt collection entry by Pro Collect on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. 

The debt in question does not belong to me, and I have never had any account or financial relationship with the original creditor mentioned in this collection entry. I have not been provided with any documentation that substantiates this debt as being mine. This entry is a clear case of mistaken identity or inaccurate reporting. 

I am requesting that Pro Collect immediately verify the debt in compliance with the FCRA and remove this erroneous entry from my credit report if they can not provide proof that this debt is valid and belongs to me. I also request that all three major credit reporting agenciesXXXX XXXXXXXX, and XXXX notified to correct this information on my credit reports.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MI)

This XXXX XXXX company in violation of the FCRA and FDCPA has been repeatedly contacting me regarding a purported debt that I have not paid. They have not produced the accounting ledger showing the history of all transactions, including the one that allowed them to attempt to collect on this fraudulent account.This account is not mine. I made this company aware that this is the result of identity theft, to which I have completed and FTC identity theft report. To not avail, they continue to harass me conspiring to violate my right to privacy.
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (TX)

Moneylion Account XXXX Additionally, it has come to my attention that I have not received a Form 1099-C, which is required for reporting canceled debt under the Internal Revenue Code. As per IRS regulations, the issuance of Form 1099-C is necessary for the debt amount to be properly accounted for and reported. The lack of this form may indicate non-compliance with the relevant credit reporting and tax regulations. 
Given these circumstances, I request that you : 1. Delete these charge-off entries from my credit report.
Consumer complaint received 2024-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with California Business Bureau ; they have not provided me with any services that require them to report on my credit report. They have not provided me with the original contract, as requested. On XX/XX/year>, XXXX XXXX from California Business Bureau contacted me via phone. I responded and asked for an initial communication. XXXX XXXX failed to send me any information about this debt and did not afford me the opportunity to dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) before reporting to the credit bureaus.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$610.00} ( XXXX XXXX ) XXXX XXXX  XXXX XXXX Balance : {$530.00} ( XXXX XXXX  )
Consumer complaint received 2024-09-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I applied for help due to financial hardshipfor the XXXX XXXX XXXX but was denied in XX/XX/XXXX. Due to the coronavirus pandemic that began on XX/XX/XXXX, I experienced severe financial difficulty from a large rise in expenses ; however, due to my my VA XXXX compensation cause reason for denial. My application for homeowners aid was turned down by XXXX XXXX. Moreover, I was not given a reason when my mortgage lender, XXXX, rejected me from the VA XXXX XXXX program, for which I was also qualified, but told I was not eligible, but given no reason. Recently XXXX whose monthly XXXX checks from the XXXX XXXX XXXX XXXX disqualified them from receiving federal housing subsidies based on income restrictions will become eligible for the rental assistance as of XX/XX/XXXX.