davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Mortgage — FHA 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: LAKEVIEW LOAN SERVICING, LLC (FL)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX for multiple violations of federal mortgage servicing rules, particularly regarding the handling of my successor in interest claim. Below is a timeline of events demonstrating XXXX 's repeated failures : XX/XX/2024 : Estate Administrator XXXX XXXX authorized XXXX to discuss the mortgage with my sister and me. 
XX/XX/2024 : XXXX sent an automated response promising to follow up but failed to do so. 
XX/XX/2024 : After numerous calls, XXXX acknowledged my " authorization '' and provided a loss mitigation form. 
XX/XX/2024 : XXXX stated I couldn't complete the loss mitigation form until recognized as a successor in interest. 
XX/XX/2024 : I submitted requested information ( Legal Claim, Valid ID, Full Name, Address, Email, Phone Number ). 
XX/XX/2024 : XXXX requested additional documentation, which I promptly provided ( Affidavit of Heirship, Death Certificate, Legal Claim, Probate Court Letters ). 
XX/XX/2024 : XXXX claimed I had no authorization to speak with them. 
JXXXX XXXX XXXX : XXXX again requested previously submitted documentation, which I provided again. 

These actions violate several federal regulations : Violation of Regulation X ( 12 C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ) : XXXX failed to respond within XXXX business days to my successor in interest request. 
Violation of Regulation X ( 12 C.F.R. 1024.40 ) : XXXX failed to maintain continuity of contact, providing inconsistent responses and repeatedly requesting the same information. 
Violation of Regulation X ( 12 C.F.R. 1024.41 ) : XXXX failed to properly evaluate for loss mitigation options by preventing me from completing the application due to their mishandling of my successor in interest status. 
Violation of the Consumer Financial Protection Act : XXXX 's actions constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5536.

These violations have caused significant harm, including : Unnecessary delays in the loss mitigation process Emotional distress and frustration Potential harm to my credit score Risk of losing the property due to Loancare 's failure to properly process my claim I request that the CFPB investigate this matter and take appropriate action against XXXX, including : Requiring Loancare to immediately recognize my successor in interest status Mandating that XXXX properly evaluate my loss mitigation application Imposing appropriate penalties for their violations of federal regulations Requiring Loancare to implement proper training and procedures to prevent similar issues in the future I am prepared to provide any additional information or documentation necessary to support this complaint. Please contact me at XXXX or XXXX if you require any further details. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX XXXX sent me a XXXX XXXX  Mitigation Request Form for me to defer XXXX monthly payments for my car loan due to financial hardship. I have had the car loan since XX/XX/year> and have never missed a payment until recently which the loan was 75 days past due. I was told I had to make at least XXXX payment before they could submit the XXXX XXXX XXXX XXXX to defer XXXX payments due to financial hardship. I made a payment of {$XXXX} on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX to get a status of my request and was told it was denied due to some reason that I really didnt understand. Ive made on-time payments on this auto loan for over a year and only asked to defer XXXX or XXXX months due to the car being stolen and me being a victim of title washing. This is unfair treatment of a customer because XXXX XXXX never stated I had to meet a requirement to defer a payment. I was only told to complete the form, which I did over the phone on XX/XX/XXXX. The police case number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (FL)

Please note I was reported as 30 days late for month of XXXX with XXXX. I was marked late erroneously as I WAS NEVER late. My car was fully paid off on XX/XX/XXXXXXXX XXXX. The payment was due XX/XX/XXXX. As per my conversation with a XXXX XXXXXXXX I was informed that I was within the 30 day grade period and shouldn't have been reported late. Please note the attached credit report showing that I was clearly reported 30 days late and CORRECT THE ERROR. I am in a process of a XXXX XXXX dollar loan and my credit took an XXXX point hit!! This is inexcusable and needs to be corrected immediately. 

Please see attached my credit report showing the late reporting -Pay off confirmation from the dealership -my Driver License
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

all of my NON PUBLIC PERSONAL imformation is being spread around with all the credit reporting companies without my authorization or permission!!?? XXXX XXXX XXXXXXXX, XXXX card, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX bank, XXXX XXXX  which is a complete Fraud along with XXXX XXXX, to begin I never authorized my payment history my personal banking history and certainly not to these fraud companies I never had a relationship with them let alone authorized them to publish my personal non public history or a fraud collection!!!!! 5 USC 552 a " It is illegal to report ( TRANSACTION HISTORY16 CFR 313.10 I am exercising my right opting out of any and all authorization I the consumer may have given to any bank or person written or non written, verbally or non verbally effective immediately and indefinitely in conjunction with 15 USC 6802 ( a ) ( b ) ( c ) all information inquiries and payment history be removed at once no authorization was ever given
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (MD)

Between XX/XX/2024 and XX/XX/2024, over XXXX was stolen from my account two different people used XXXX XXXX i reported the first one and when I went to do the second time it was still pending and they said it would have to come off of pending, which then they ( sofi bank ) froze my account and then two months later closed it because it was a negative balance on it for 2 months which I didnt do. My social security went into that account. well when they froze the account i went and got another bank account with another company.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I opened an account with Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Direct Deposit made XX/XX/XXXX. 
Called Customer Service XX/XX/XXXX after not receiving debit card. 
on XX/XX/XXXX somebody had activated the card and removed {$2000.00} from the new account. 

I never received the card. My complaint was denied 3 times. I was told the card was activated properly. 

Account XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX XXXX. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 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 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} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (GA)

I recieved a XXXX payment and then tried to send that payment out to pay my rent fees, the bank suspended my XXXX and placed a hold on my account indicating fraud is looking into the account. Its been XXXX business days and I have gotten no response from anyone at the bank. Ive spoken to the branch manager and still have gotten no help. Ive asked about policy and procedure and was told the fraud dept is looking into the account and will decide on it when they get a chance. When asked to speak with that dept was told I can not and just have to wait on them.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2024-09-11
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. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

This is a continuation to XXXX, to demonstrate that I am STILL unable to access my American Express account . This type of unexplained " technical difficulty '' has never happened with my account until I opened the complaint about the way the Plan It Plan failed to be accounted for in my Adjusted Balance. I have provided another screen recording showing the date on my phone to verify that I am still getting the same error. I do not physically have the card anymore since I closed all my accounts. I scroll up and down on the error screen to see if there is any more information, but it's ambiguous. Again, this type of error has not happened in the 10 years prior as an American Express customer until we began this complaint process regarding the Plan It Plans and Adjusted Balance.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: DISCOVER BANK (LA)

I requested a funds disbursement in the amount of {$200.00} from atm. My debit account was deducted in the amount of {$200.00} and {$3.00} for atm fee. I did not get my money I contacted my bank to dispute the charge 4 times each time being denied. I submitted the only documentation that is received from an atm. At the original time of submission the receipt was clear enough to be read. I contacted the atm company using the phone number on the machine only to be informed the number is only to reach the machine tech, I bank with Discover Bank and the atm name is XXXX which is located inside of XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX La The atm slip show that no funds were disbusred
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the inaccurate information currently listed on my consumer report, which has resulted in a violation of the Fair Credit Reporting Act ( FCRA ) due to unauthorized use and reporting of my personal information. Despite my efforts to resolve this issue directly with the reporting party, [ Company Name, e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ], they have failed to provide validation or correct the inaccuracies as mandated by the FCRA. 

Almost a year ago now ], I sent a certified mail request to [ Equifax ] asking them to validate the accuracy of the reported information and provide the original creditors information to my place of abode, as required under 15 USC 1692. To date, no such validation has been provided, and the inaccuracies remain uncorrected. Furthermore, I have contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, but no further action has been taken to investigate or rectify the inaccurate information on my consumer report. 

This inaction is a direct violation of the FCRA, which mandates that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of incorrect information on my report is damaging and represents a significant failure to uphold the legal standards intended to protect consumers. 

I am requesting that [ Equifax ] conduct an immediate investigation into the accuracy of the information reported by [ Equifax ] and that any unverifiable or inaccurate information be promptly removed or corrected as required by FCRA. I also request that you provide me with written confirmation of the results of your investigation and any corrective actions taken. 

If you need any additional information from me to facilitate your investigation, please let me know at your earliest convenience. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX All Rights Reserved.
Consumer complaint received 2024-06-04
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: BMW Financial Services NA, LLC (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I received an email and notification that said there was a hard inquiry on my credit report that dropped my score XXXX points. I checked what it was and it said it was an inquiry made by Capital one. I called Capital One at XXXX to confirm that an account was opened under my name, SSN, etc., and the representative confirmed that a line of credit was approved under my name for {$1000.00}. The representative told me that they would open a fraud investigation and left it at that. I soon received an email telling me that a package which I did not purchase was being sent to my place by a company called XXXX. I looked them up and their website says " XXXX provides deep industry expertise and best-in-class bankruptcy software solutions and services that help fiduciaries. '' As of now I am still waiting to hear back from Capital One. The number that I believe opened my account is XXXX.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 



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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

This account is not mine and I have contacted XXXX XXXX but they don't have any information in their systems. There are many violations according to FCRA. This account has been deleted from XXXX.
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berman & Rabin, P.A. (CA)

I am being pursued for a debt that is not mine through a company that refuses to provide any sort of documentation to show the debt is mine and I am being harassed by them daily. I sent a letter of dispute through priority mail which I know for certain they received and they continue to call me but wont acknowledge my dispute. They call me through several different phone numbers every single day.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

XXXX XXXX XXXX XXXX Please read the sequence of events and the change in requests from requiring a Notarisation and stamp duty fee. 
Specifically Subsequent to the payment of US {$11000.00} processing fee I was then requested to pay US {$71000.00} being a Notorisation fee and Stamp duty. Prior to the processing fee being paid this additional payments was never submitted to me and you were advised that I would not pay this additional fee and I requested a refund of the US {$11000.00}. This was then reduced to US {$15000.00} from US {$71000.00} after I raised that this demand was unethical if not fraudulent. This raised a red flag. Given the suspicious nature of the revised demand I expected that you as a Lawyer would have had a duty of care to refund this processing fee of US {$11000.00}. If necessary as a Lawyer you were obliged to contact Capital one to arrange the refund. 

The fund request for the US {>= $1,000,000} amount held in escrow is in addition to the refund of the processing fee. This has been confirmed to me by legal advice. I am not getting any response from Capital one having written 3 times and this will be used in evidence if necessary.Theofficer I have communications from is XXXX XXXX of Capital one.