davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (IL)

ONEMAIN : XXXX This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason, XXXX requesting any account-level documentation in your possession in addition to the following information : Application account agreeement and annual disclosures billing statements from open date to current copy of hardship or workout plan agreement Gramm Leach Bailey Disclosures copy of 1099-C
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (MA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Ive several incorrect late payments and delinquency on my credit report which is false. 
XXXX : XX/XX/year> XXXX XXXX  shows as Late/ delinquent = {$2500.00} XXXX : XX/XX/year> XXXXXXXX XXXXXXXX account shows as Late/ delinquent {$100.00} XXXX : XX/XX/year> Santander consumer USA shows as paid off but reported a late/ delinquent payment on my report 4 : XX/XX/year>XXXX XXXX XXXX XXXX  also shows as Late/ delinquent = {$350.00} XXXX : XX/XX/year> XXXX XXXX  shows as late/ delinquent = {$4000.00} XXXX : XX/XX/year> XXXX XXXX XXXX, shows as a collection on my account and its Late/ delinquent = {$490.00} XXXX : XX/XX/year>XXXX XXXX XXXX XXXX  reported Late payment/ delinquent account of = {$2200.00}
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (PA)

I have been using Solo Funds for a few years on a monthly basis and paying the fees. I live in XXXX and not one time was I notified about any lawsuit or illegal fees. In fact, there was an issue with them collecting the funds from my bank via debit card in XX/XX/XXXX and customer service actually stated that it was a technical error and sent me an invoice from XXXX to my email address of " XXXX '' and I had to pay it immediately and included all the fees and that was just around XX/XX/XXXX, I have paid all these fees since XXXX at least. 
I was never notified about any illegal fees and paid the fees and just last month they actually sent me an invoice to collect it. Nor all the interaction I had with customer service did anyone advise me there was a lawsuit and this was just a few weeks ago. 

The app is also not allowing me to sign in as I can only download history from my bank for a certain length of time and I had another bank account prior to this one in which I also used Solo. I should at least be able to view the history of my loans and payments but the app is stating that it not participating in my state but I have a history and should be able to access it.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (SC)

A collection account XXXX XXXX for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my XXXX and XXXX Credit Report ; therefore its reporting inaccurate on both XXXX and XXXX and need to be updated.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

XX/XX/year> XXXX {$20.00} transfer cancel on my end but still went threw and was taken XX/XX/year> XXXX {$10.00} payment cancelled by me was still taking out XX/XX/year> XXXX XXXXXXXX XXXX XXXX$24.00} XXXX XXXX {$24.00}
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

I believe I deposited the check on the XXXX or XXXX XXXX of 2024. The check is XXXX. After I deposited and it not available for 6 business day. On the 6 business day and I can't login my account anymore. So I try to calling the bank. And they told me I have to go to the branch for them to release my account back. I told them I'm not around town. I won't be back for another 2 months. They ask me to call the branch to figure out about that. Witch I did and they still want me to come in the branch and I explained to them that I can't for another 2 month. They say if I don't go in they close my account in 15 day. Well it's OK if they want to close because I'm not around. So I received a letter on XXXX XXXX 2024. On the letter say my account have been closed and the money have been withdraw. So I call and ask I didn't withdraw the money and they ask me did I withdraw I say no. My account been frozen almost 1 month ago how can I withdraw the money. And they told me to call different departments witch is recovering departments. I talk to them and they say the check have been withdraw to send out. But then I call again 2 week later they still say the check have been mail out to me. And I wait until today is XX/XX/2024. And call again and they say I don't have any money in my account because that check is fraudulent. But they already withdraw the money from other parties that signed me the check. So what I need to do now? I have no more patience with this bank. Please help me punish this bank and help me get my money back please. Thank you.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FLORIDA HOME TRUST MORTGAGE ()

Hello, my name is XXXX XXXX XXXX XXXX. I have a problem with the banking entity, XXXX. My money is being withheld. The advisor, XXXX XXXX, makes fun of me. She doesn't give me an answer. She has the amount of XXXX dollars withheld from me. They asked me intimate questions about me. I have to explain to them. I'm XXXX and my partner gives me the funds, you don't want to give me the money, they don't answer every time I call, they make fun of me, the manager doesn't want to talk to me, in short, they want to steal the money.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I deposited {$190000.00} into my business checking account from sale of real property. The check was from a XXXX escrow account. Bank of America placed a hold until XX/XX/XXXX. 

On XX/XX/XXXX I called to inquire about getting the hood lifted sooner. The Bank of America XXXX escalated me several levels and I was eventually told that Bank of America had placed a hold on its end at its discretion. They also advised the hold was even extended longer to XX/XX/XXXX based on information they received but would not tell me what this information was. I inquired the reason for the hold and was told there is no one at Bank of America I can speak to by phone who will have the information regarding the reason for the hold. After expressing that someone must know and demanding to speak with someone, I was given an email which I wrote to and was then ignored with no return response. 


I believe this may be a practice of Bank of America. I suspect they may be placing arbitrarily long holds on large deposits to bolster their liquidity. This amounts to helping themselves to a XXXX interest short term loan of my funds.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NM)

Seen dept on credit report tried to acknowledge it. Called the dept collector first person was XXXX, he stated that I needed payment in full and no other options that I had to pay it right now or else they would come to my place of living and collect it there and that my kids will pay for my dept or be on the streets like I am. I called and talked to a new XXXX XXXX she said I needed it in full and when I called back to talk to her she wasn't available so XXXX got on the phone and said that I can't have any payment plans and stop trying. So I asked for a letter she denied me a letter saying to get a lawyer if I want to make sure the dept is mine. They said they will continue to harass me and my family.
Consumer complaint received 2024-06-09
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: TD BANK US HOLDING COMPANY (VA)

In XX/XX/year>, I was the victim of a sophisticated cyber-attack by cyber criminals who gained root level access to my home computer and the credit card information stored on my computer in the XXXX XXXX file. Information from XXXX  different credit cards was stolen and immediately used to purchase a type of digital gift card. All three credit card companies recognized the suspicious rapid fire purchases activity, stopped subsequent transactions, and notified me. I immediately made a report of theft/fraud to each credit card company, filed a police report, and cancelled my credit cards. Two of the credit companies ruled I was not liable for the fraudulent purchases and refunded the money. However, Target Card Services refused to speak with me and despite trying to work with the fraud department ruled I was liable. I submitted a copy of the police report and written two letters. Target Card Services actions continue to revictimize me and are blatantly unfair since they themselves identified the suspicious activity. I did not authorize the activity taken by the cyber-criminals on XX/XX/year>, and I do not know the cyber-criminals who committed this crime. Further, I have not benefited from their criminal actions. I am filing this compliant for record and to seek the CFPBs assistance. My Target fraud compliant number is XXXX.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (FL)

I am filing a complaint about Loan Depot. I love in XXXX  Florida and was affected by Hurricane Irma. I had to make major home repairs that my home owners insurance did not cover. At the time Loan Depot was nice when I called about making the repairs and paying my mortgage. They offfered me a forbarance plan that began on 1XX/XX/XXXX to XX/XX/XXXX. Loan Depot said that my plan will end on XX/XX/XXXX and that I would be contacted to reasses my current circumstances and be given alternatives that may be availble to me. So, I stated making my regular mortgage payments starting on JXX/XX/XXXX. I have made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments while they work on some kind of plan. I have sent them pages of documents, taxes, personal statements, pay check stubs ... etc. I call every week to check on the progress and during these past few months each time I all they need something else. In my forbearance letter it clearly states by Loan Depot that during the forebearance and loss mitigation process that they, and I quote, will not be reporting the delinquency status or the entry into a forebearance plan to credit reporting agencies. This was a lie as on XX/XX/XXXX Loan Depot reported that I am 60 days past due on my mortgage payments, on XX/XX/XXXX they reported to XXXX that I am 60 days past due, and on XX/XX/XXXX they reported to XXXX   that I am 60 days past due. On XX/XX/XXXX when I got an alert on my credit report I called Loan Depots loan servicing department and explained what happened. The person on the phone was a bit rude, and did tell me that she was sorry and that it was a mistake and they would fix it and stop the reporting. Well, that did not happen and on XX/XX/XXXX and XX/XX/XXXX Loan Depot continued to report late payments on the credit bureau sites. I have never been late with any payments, and just needed a three month break while I made home repairs. I am a widow and live in my house XXXX XXXX  and had to pay to get the repairs done. When I called about this issue, they also told me I need to start making XXXX a month payments for the next four months to catch up with the payments I missed during forebearance. I will pay this on XX/XX/XXXX, however Loan Depot has not sent me any kind of package as promised telling me this new payment schedule, and why I was not approved for a loan mitigation. At this point I just want to pay what I have to, however I want my credit report fixed. I have the letter Loan Depot sent that clearly states they would not report me to the credit bureaus. I need to do a new lease for my car and I know the car company will not approve a new lease with my credit score down now by 70 points. This is a horrible way to treat a customer, someone who lost their husband and then went through a hurricane. I am hoping CFPB can help me get this resolved as I am losing sleep that I will not quality for anything with my score so adversely affected.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

American credit Acceptance reporting in Accurate lates payment U.S.C. 15 code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (GA)

I was trying to transfer money to my girlfriend 's bank account in the XXXX XXXX using Remitly. I have used Remitly dozens of times to successfully send money to her that was picked up at XXXX XXXX. I chose to send directly to her account on this occasion because the amount ( {$14000.00} XXXX ) was large, and I didn't want her to pick up that kind of money at XXXX XXXX. The transfer was made on XX/XX/year>, and as of XX/XX/year>, the money still isn't in her account. 

I have corresponded with Remitly via chat on seven different occasions and have a transcript of each chat. I have also spoken with Remitly at least four times to try to resolve this issue. Remitly did send a notice ( and I will attach a receipt ) that the transfer was completed successfully, though it wasn't.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (PA)

Applied for a line of credit with Headway Capital late XXXX, provided bank records they needed. Once we were approved for a XXXX loan they called to make the transaction over the phone. Terms we discusssed on the recording were different that what was online when we repaid within 30 days. They agreed to waive the 2 % draw fee. Have asked the President XXXX XXXX who ran the call and provided the loan to provide the voice recording on the day where we discussed the terms. That was 3 weeks ago and they have still not resolved the difference in fees than what was presented on the call vs. the contract online. I'm tired of hearing someone will reach out to you when no one does. If you are considering a loan with them, get everything in writing or the voice recording before you are pressured to sign over the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (UT)

I have now gotten XXXX text messages from JEFFERSON CAPITAL SYSTEMS LLC saying that I have an outstanding balance of {$2200.00} for a XXXX XXXX XXXX XXXXXXXX XXXX account. I formerly had a XXXX account in 2022, but had no unpaid bills. I contacted XXXX today and they confirmed that I have no account balance. 
The date of the first text was XXXX, the second XXXX, the third was XXXX. I checked my credit report on XXXX and have no collections notice there.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NJ)

This car was fradulently obtained. XX/XX/XXXX until XX/XX/XXXX I was XXXX in a XXXX XXXX facility. I have filed an FTC Report and a Police Report in regards to this matter. I have requested several times from this creditor to investigate this identity theft and they have refused. I did not purchase this car, my information was fraudulently used to obtain this auto loan.