davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I filed bankruptcy in XXXX, but it is still showing up 10 years later as an account that should no longer affect me. This is affecting my chances of buying another mortgage or getting a future car loan. Please remove this immediately.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

Hi, After Hyundai Capital Finance requested a payoff for my car that was totaled in an accident, they received a check from my insurance company for the amount they requested. After everything was settled they sent me a bill for {$990.00} stating I owe these funds. 

When asking for a breakdown they claimed that it was due because of XXXX monthly payment that is due and my deductible from the accident. I have showed them that I was always paid up XXXX month up front and that my deductible is XXXX dollars which XXXX waived since the accident was not my fault. I have this in writing. When I called in to HCF they continued to give me different reasons for this and in the end reported me to the credits bureau and dropped my rating from almost perfect down XXXX point. 

I have requested a clear breakdown of why I owe so much money which they failed to do. Furthermore, they collected over $ XXXX from insurance company were my payoff was only $ XXXX. They created phantom charges and now have damaged my credit score.
Consumer complaint received 2015-12-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: USA DISCOUNTERS LTD (NH)

My husband and I went to a company called USA discounters back in 2009 when we were XXXX with our XXXX child and just getting settled right off base. We were both in the Military. Everything was fine, until my husband was suddenly XXXX three days after I XXXX and I moved home to be closer to my family. Money was extremely tight, things were getting worse, and we started missing payments. The payments were around XXXX a month. USA discounters started calling us threatening legal action, and finally started sending letters talking about taking us to court ... in XXXX. I lived in XXXX at that point and my husband was in XXXX. There was no way we could have ever gotten there. Now, this debt sits on my credit score. It gets updated every year, and it has prevented us from getting a house. We have XXXX small children. I still do n't know what to do. I 'm hesitant to even try and pay it, because of how terrifying these people were in the past to us. Now it is with a credit reporting agency, the same one who USA discounters was sending these horrible notices through. I need help.
Consumer complaint received 2024-03-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TFC Credit Corporation of California (TX)

My original loan was due in XXXX of XXXX, but in the online system viewable to me, my loan appeared as " refinanced, '' and I was not allowed to make a payment. I called the servicer twice and emailed once, but the servicer could not resolve the issue. Finally, I contacted the school, and they contacted the servicer. The problem was resolved. I immediately made a payment. 

I thought this was resolved until I saw my most recent credit report. My credit score declined by over XXXX points. The servicer reported that I was delinquent on my XXXX payment. 

To summarize, the servicer would not allow me to make a payment but then reported me as delinquent.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

I am writing to lodge a formal complaint against Ally Bank regarding their handling of my loan account. Despite my payments being up to date, including any applicable late charges that were assessed and subsequently paid in full, Ally Bank has inaccurately changed the payment status of my loan over XXXX times between XXXX and XXXX of 2022. This has resulted in significant and unwarranted damage to my credit report and score, which is extremely distressing and unfair. 

The bank has repeatedly altered the payment status of my account, fluctuating between XXXX, XXXX, and XXXX  days late, then back to XXXX  days late, without any valid reason. Such practices are not only misleading and harmful to me as a consumer but also reflect a serious lapse in Ally Bank 's responsibility and accountability in managing their customers ' loan accounts.

I demand immediate correction of my loan account status to reflect its actual current standing, which is fully up to date. Furthermore, I request that Ally Bank take immediate steps to rectify the inaccuracies reported to the credit bureaus, ensuring that my credit report is corrected to accurately reflect the true status of my loan payments.

I believe these actions by Ally Bank could be indicative of predatory lending practices, causing unnecessary financial and emotional distress to their customers. I trust that the Consumer Financial Protection Bureau will take my complaint seriously and investigate these matters promptly. It is critical to hold financial institutions accountable for their actions and ensure they adhere to fair and transparent practices.

I am prepared to provide any additional information or documentation as required to support my case. I am seeking the CFPB 's assistance to rectify this situation and prevent further harm to my financial wellbeing.

Thank you for your attention to this matter.
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SoLo Funds Inc. (NC)

The Solo Funds app went through an update on XX/XX/2024 before my loan was due for repayment on XX/XX/2024. The update was to be completed within XXXX hours, however, it has now been officially a month and I along with other users are just now able to log in to the app. 

We were told that borrowers would not be assessed late fees or synapse fees for non-payment, and lenders would not be issued a recovery fee. 

However, I am getting messages that my loan was assessed a late fee and synapse fee, even after I was told via email I would not be assessed one. 

I did research on the company while it was down to see if other users were having the same issues, and apparently multiple lenders and borrowers have not even received funds that were loaned to them or repaid to them. 

It has made me not trust the platform with any further transactions. How will I know that the lender I received the loan from will receive the repayment if people can't even withdraw the money from their SoLo account? 

Not only this, but after reading through the lawsuit that CFPB has filed against them on XX/XX/2024, I have found that they aren't licensed to offer loans in my state, and the loan I received through them is void. 

After further reading through the lawsuit, I read of SoLo 's donation and tipping. When I first started using SoLo, I thought the " donation '' was mandatory and gave a donation to SoLo until one day I went into settings and found that you are able to turn it off. SoLo does not tell you that you can turn it off when you go through the loan screen. 

I also did not know that the tips I gave to lenders may not have even been given to them. I gave the highest tip 15 % of the loan to the lender on a majority of my requests so I'd have a higher likelihood of receiving it, otherwise, my request was never fulfilled. 

As a consumer, I thought I could trust this platform because over XXXX XXXX people use it and it is available for free in the XXXX XXXX app store. I assumed that meant it was legitimate in my state, but it is not.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MMG Law Group, PLLC (CA)

I was contacted by this company called MMG Law Group. They continuously called me for months spoofing their number. I got tired of receiving phone calls and called back to tell them to stop calling. They made claims that I took out a loan in XXXX and didnt pay it back. I never took out a loan that year. They told me I could settle for {$1000.00}. I told the lady on the phone that I would report them for fraud and she started screaming. Then I received a letter in the mail stating I need to pay them back. I ignored the letter and I looked at my credit report this morning and there is derogatory mark for not paying {$500.00}. It decreased my credit by XXXX points. The company has a website if you google MMG Law group. Published in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. The phone number is ( XXXX ) XXXX. I was scammed in the past using the same technique.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MI)

I sent a letter disputing a debt that Mohela had been trying to claim was mine, I sent written correspondence on XX/XX/2023, as confirmed in their cover letter to their response. They provided some information, but did not provide any proof that the debt was mine, nor did they meet all of the requirements as laid out in 12 CFR 1006.34. Finally, they dated their letter XX/XX/2023, almost a full month later than the time allotted in the federal regulations. They have continued to harass me and have tried to collect on a debt that they have provided no evidence is mine. The XXXX that they provided doesn't have my signature, they just typed my name in the signature spot, I did not sign the document they provided as proof.
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023, Wells Fargo, as Servicer, stated they were unable to issue an escrow refund check for {$250.00}, because more than 30 days lapsed between the date of the Escrow Review Statement, XXXX XXXX, and when the account was brought current, XX/XX/XXXX, XXXX the funds will remain in the escrow account.
Consumer complaint received 2024-02-09
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: TRUIST FINANCIAL CORPORATION (IN)

I have contacted my mortgage company, Truist, multiple times to change my bank account on file with them. Whenever I go into the application or the website I get errors that I am not the authorized user despite my name being on the mortgage and on the account with the new bank I want to add. I will call them again on Monday, XX/XX/2024, if I can't get thorough their application again this weekend, but they refuse to add my account manually, and my old account, I believe was deleted.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

On XXXX Called Mohela XXXX XXXX was told that they had applied my refund of {$2400.00} to loan # XXXX. Left a balance of {$1900.00}. Discussed that under XXXX all payments are to be refunded for loans under the XXXX school. Requested a call back from a supervisor. 

On XXXXCalled XXXX XXXX at XXXX On XX/XX/XXXX, I noticed that Mohela loan # XXXX was actually the payment I paid to XXXX servicer for {$9300.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Federal Student Aid ( FSA )- Confirmed that no refund of the money I paid to Mohela should not be applied to another loan outside of the borrower defense ( XXXX  ) school ( XXXX ) in the XXXX XXXX XXXX  lawsuit money, I was told I needed to file a complaint at XXXX XXXX XXXX On XX/XX/XXXX -Mohela called XXXX Spoke to supervisor XXXX ( XXXX ) at XXXX. Stated that she requested a refund of all payments sent in and to not have any refund applied to another loan outside of the lawsuit. She stated she would put in a ticket to investigate why loan # XXXX came over as a Loan when it was a payment to XXXX before the transfer of servicers. Tracking number # XXXX On XX/XX/XXXX, Filed complaint w/ Federal Student Aid ( FSA ) online Tracking number # XXXX # XXXXI have attached a copy of the loan Payment receipt to XXXX on XX/XX/XXXX for {$9300.00}. Mohela has this payment listed as a transferred loan # XXXX from XXXX. 
# 2. I have attached a copy of XXXX  payoff before it was transferred to Mohela dated XX/XX/XXXX. It shows that I only had XXXX loan for {$60000.00} and {$440.00}. 
# 3. I have attached a loan report from Mohela that shows they took my payment from XXXX for {$9300.00} and listed it as a unsubsidized consolidated loan # XXXX. 
# 4. I have attached a copy of payments, date and amounts to Mohela.

# 5. FSA consolidation application/promissory note in XXXX shows a balance of {$69000.00}. This was before my payment to XXXX for {$9300.00}. Fedloan document shows payment received and deducted from my balance. 

Mohela stated, I had a refund of {$2400.00} and they applied {$550.00} to loan # XXXX. Told me I owed {$1900.00}. I explained I am part of the XXXX XXXX XXXX lawsuit settlement. My School was XXXX University. I am entitled to full discharge and refund w/ interest and all loans taken out from XXXX University through server XXXX from XXXX. 

My loans for XXXX XXXX under the server XXXX  server were discharged two months ago ( {$20000.00} ). 

In addition, I made payments to Mohela during XXXX pause of totaling {$37000.00} from XXXX. It is part of the XXXXXXXX XXXX XXXXXXXX lawsuit requirements : to have any and all refund in the XXXX XXXX settlement from loans taken out for XXXX University.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (SC)

I have a duplicate collection on my report from the same company for a device that was returned to them. I was never notified that they didn't receive it or that i owed anything. They just put 2 collections on my report from the same thing. I tried disputing that i mailed it but their systems are so bad that they never showed they recieved it so i just paid the collection to get it off my report. However, it is still on my report and it is not even showing paid. This has got to be illegal. Please help me to get this removed. Thanks
Consumer complaint received 2024-04-05
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Jim Bottin Enterprises, Inc (CA)

I am not okay with the response the bank gave me. I feel like I am not liable to pay a company that took my money and closed without out notice. They didnt even let theyre employees know, they state I had access to the gym in XXXX when in doubt I did not have access to it, how could I have access of the gym closed down. They took money on the XXXX of the month {$110.00} to be exact knowing they were going to close down that week to me thats very unprofessional. I reached out to owner before I dispute my transaction she said they were going to transfer my credit to the new ownership that never even happen, I know other XXXX customers who had the same dispute and you guys approved it. What was the difference with mine, I am willing to fight this claim because its unfair. I am attaching emails and proof I had no aces to the gym. Not only did they still from me but from other members.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I was treated a XXXX XXXX XXXX on XXXX. I gave my insurance information, but the hospital billed the wrong insurance plan. I called the hospital on XX/XX/24 and spoke to XXXX at XXXX after XXXX received an EOB from the wrong insurance company. I gave the rep the correct insurance information. I did not receive a bill from XXXX Ever. I got a call from a collection agency XXXX XXXX XXXX XXXX. They would not verify who the bill was from and would not provide who the client was. XXXX XXXX XXXX sent me a bill for {$1200.00}. XXXX sent me to a collection agency without even sending me XXXX single statement. They never called me. I would like XXXX XXXX to send me a proper statement and remove me from this XXXX agency. 

Thank You
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of Identity Theft ; someone has stolen my information and opened several accounts. I have had no knowledge of these accounts. I have requested validation, made pursuant to the Fair Debt Collection Practices Act which is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations to pay these accounts and have received no response. It is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if this debt can not be validated it must be requested that all credit report agencies delete the entry.
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (ID)

XXXX XXXX opened a credit account when purchasing an item in store. The credit account was charged. The item was subsequently returned to the store within 24 hours of purchase and to our knowledge the account was credited and never used again. 

Over 6 months later, we received our first notification that there is a debt on the account. Apparently there was a purchase charged to our account made online from a state and city we have never been to. Barclays bank racked up hundreds of dollars in interest and late fees without ever notifying us of the issue. Once we were finally notified, they denied any attempt to correct the mistake blaming us for taking too long to address the issue. I have spent several hours on the phone trying to fix the issue and they have done nothing but gaslight us, lie to us, and threaten to further harm our credit if we don't agree to make payments on debt we were completely unaware of. They initially admitted that they failed to communicate the debt with us. They later tried to blame us for not knowing about the debt and lied to us about sending us statements. They refuse to acknowledge their failures and continue to harass us. It is blatant extortion. They could have easily helped us resolve this issue by giving us proper and timely notice of the debt. Now they are just continuing to damage our credit report and harassing us constantly with mail and phone calls.