davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my XXXX complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX FOR XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX XXXX Balance : {$800.00} ; XXXX XXXX  XXXX ... .Balance : {$3200.00}
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} ; XXXX  XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXXBalance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$70000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-06-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (WI)

The loan was a VA loan under my father in law but we passed away, so my wife and I did a loan assumption and Mr. Cooper only approved my wife for the loan assumption. Talked to Mr. cooper and again couldn't get no real answers so I contacted the VA and we informed to file a complaint as MR. Cooper didn't follow the guidelines for the VA loan assumption. Mr. cooper said that my wife was listed as the successor in interest, so it was only put in her name. I have been working with XXXX there at MR. cooper. I was told that to get me added to the loan we would have to wait a year. I called the VA and was instructed to file another compliant as again MR. Cooper is not filing VA guidelines. The paperwork for the loan assumption is in both our names and MR. Cooper never said that it wouldn't be in both our names till it was already done. There is no way to talk to the assumptions team and there is no number for them or anything. MR. cooper needs to fix this error as the paperwork was in both my wife and I names.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have submitted multiple requests to cancel my PMI insurance over many months and have received multiple responses from " we never received it '', " You still have more paperwork to send '', " you need to resubmit '', " We have no record of this request ''. They still have not cancelled my PMI even though it has been eligible to cancel for many months.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened my account 4 years ago at the XXXX XXXX located at XXXX XXXX XXXX. XXXX, Texas XXXX. Back then we had few problems and resolved fast and afterward past pandemic it went downhill it's like they don't care about the consumers, and it shows with complaints filed with BBB and consumer media. I noticed that my rewards credit card was being hit with a higher interest rate than was promised to have had. I complaint about this and they showed no care. I was so upset, and I had an opened loan and was waiting to pay it off before closing the account. For the last XXXX days my account hasn't been working and I reached out to support and they refuse to let me know anything or even help. This morning, I stopped to get gas though the card was declined but I have money on my account. After work I stopped at XXXX XXXX XXXX XXXX. near my home and spoke first with XXXX XXXX who I shared that needed new card and she said can't there a hold on your account I was upset I been through already with these people working for regions that been speaking too for months. They told me I can't get a new card or withdraw any of my money and knowing I must pay bills. So, she reached out to XXXX XXXX XXXX XXXX XXXX who investigated my account history and just said security had closed your account as of XX/XX/year> and I should have received a letter which he gave me a copy but really doesn't say why. This is unethical practice, and they need to share why my account closed being there the one who made mistake and lied to me. Doing business with this Bank for XXXX years and they didn't care that I was unable to pay bills or get food for my family. I'm an ex-military and have worked for XXXX  years serving my country with FEMA too. Account still shows money over {$800.00} in my checking. There preventing me to review my account online or mobile this should be a violation against them/Bank shouldn't have any right to keep money from you.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I leased a XXXX ( XXXX ) from XXXX XXXX XXXX in XX/XX/year>. The Toyota Financial Services account was setup and there was absolutely no problems accessing the account. 

I leased another XXXX ( XXXX ) for my daughter from XXXX XXXX XXXX in XX/XX/year>. When the first maintenance email arrived in my inbox I informed my daughter who took the car in for maintenance. During the maintenance she asked the dealer to change the configuration to allow her to receive the maintenance emails. The representative told my daughter they had " fixed '' the account to email her. The TFS account has NOT been accessible from this point on due to a change in the profile email. 

I've literally spent hours on the phone attempting to get through the phone tree to get a live person because NONE of the options address anything like this issue. I have gotten through occasionally but every time the representative reports they are UNABLE to resolve the issue. One representative informed me the dealer made the change which is why they cant correct it. The representatives all have told me they would send the issue to the correct department to resolve it but as of today I have NEVER received a call or email attempting to resolve the issue and I still cant logon to my account. 

My account with Toyota Financial Services is NOT accessible to me or anyone I know due to the message " the email associated with your XXXX XXXX Profile is : XXXX '' Please understand this email address above is in NO WAY associated with ANYONE I know! This email is attached to my account which gives access to my account information to someone I do NOT know and prevents me from accessing the account.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

I contracted XXXX XXXX XXXX XXXX XXXX ( XXXX ), a debt management company, to negotiate with my creditors and establish a debt management plan ( DMP ) with them, in XXXX of XXXX and was in effect until XX/XX/XXXX. XXXX did so, buy failed to make the payments on time thus the creditors ( especially Banco Popular de Puerto Rico and others ) reported to XXXX and other credit reporting companies, late payments. 

When I contracted XXXX  my accounts were up to date, since they failed to comply with the the payment terms agreed with the creditors, I am now refused loans, and if I obtain one it is at a high interest rated. I tried to be responsible and pay off my debts, and at age XXXX, my credit has been damaged and I have to pay high interest rate. I will take 7 years for the late payment information to be removed from my credit report that is hard to accept for trying to be responsible. 

XXXX debited my bank account for the agreed amount without exception monthly, up to XX/XX/XXXX. I disputed the credit reporting with Banco Popular de Puerto Rico and XXXX XXXX, but they decline to correct, since they had agreed to the DMP with XXXX, who failed to comply, not me. On XX/XX/XXXX, I filed a complaint ( XXXX ) with the local XXXX XXXX XXXX XXXX XXXX ). XXXX did not reply with the 20-day requirement. XXXX has not filed for a renovation of their license.
Consumer complaint received 2017-09-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I made a complaint through the Consumer Financial Protection bureau to Experian on XX/XX/2017 with Complaint ID XXXX. The company 's response did not address my complaint. I am not satisfied with the company 's response.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (CA)

I am writing to address the recent communication regarding my XXXX XXXX XXXX  purchase and loan approval Last month, I made the decision to purchase the XXXX XXXX based on XXXX attractive 0.99 % XXXX offer. I promptly submitted all the necessary documents, and on XX/XX/XXXX, Tesla reviewed and approved my loan at the specified interest rate. 

I took delivery of the vehicle on XX/XX/year>, and everything seemed to be proceeding smoothly. However, on XX/XX/XXXX, I received an email from XXXX requesting additional documentation, including my Social Security Number ( SSN ) and green card. 

As an XXXX visa holder, I clarified that I do not yet possess a green card. Despite this, I diligently provided my original SSN card as requested by XXXX. Furthermore, I visited the XXXX XXXX XXXX in person on XX/XX/XXXX, where I submitted all necessary paperwork, including proof of my visa status ( XXXX approval notice ). 

To my surprise, when I followed up with XXXX XXXX XXXX ( Fundingresolution ) today, he informed me that the lender, XXXX XXXX XXXX, is unable to proceed with my loan due to the lack of a permanent residence card and the loan is not approved locally and that the APR has been increased to 8.68 %. This is unacceptable. 

Here are my pressing questions : Why was my application approved for a 0.99 % APR on XX/XX/XXXX? 
Why wasn't there any issue with my loan being communicated to me before the vehicle delivery? 
Why wasn't it disclosed that the 0.99 % APR was available only for XXXX citizens and XXXX card holders? 

I find it fraudulent to offer a 0.99 % APR, approve it, and then change it to 8.68 % after a month of delivery. Tesla should take back the vehicle if this is the case, as I agreed to the purchase based on the 0.99 % APR offer. 

I have done everything correctly to secure the 0.99 % APR, including providing all required documents. Considering I have a significant home mortgage approved, it is perplexing why Tesla is rejecting a $ XXXX car loan. 

Please review the attached email chain from the past month with XXXX. I provided all requested documents and followed up today, only to learn that my 0.99 % APR was rejected after the vehicle 's delivery. 

Is Tesla intentionally committing this fraud? Why was my 0.99 % APR approved initially? Why was I not informed of any loan issues before the vehicle delivery? Why was it not disclosed that the 0.99 % APR is limited to XXXX citizens and XXXX card holders? 

Attached document which shows lender approved XXXX APR for XXXX month before purchasing this vehicle. 

I await your prompt and satisfactory response to this matter.
Consumer complaint received 2024-06-17
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (OH)

Good evening I'm writing in regards of been a very dissatisfied consumer of your Vanilla gift card I originally purchased a Vgc, only put money on it for in case of a family emergency for my children. 
I let the card sit for a long while. Finally went to use it and my funds were already used I contacted vanilla and they told me to dispute. I told them that I wanted a check instead of vanilla gift card. I was approved a replacement card instead of a check. Never was told it was coming threw XXXX when the card arrived I was at work and it was left in my apartment complex and stolen and once again used. I have filed a police report with XXXX police XXXX XXXX, however I'm still out of my money. 
I can not speak with XXXX person who knows XXXX well. I just want my MONEY back!!! 
I don't want a replacement card, I repeatedly asked that my money be in check form but that didn't happen, I was refused a tracking number so that I could track my replacement card and now it's stolen and spent. XXXX going to email the attorney general if I can't get my money from this email. I will not let this rest. Vanilla gift card has not been helpful in this situation they keep telling lies over and over and over. I waited 8 days for a new card, now I'm locked out because card was cancelled, I have several different case numbers, I don't know what else to do, please reimburse my funds please Case # XXXX I can't even get on your site to see how much was spent, but the representative said I only had a balance of XXXX but the purchases all together was {$990.00} please contact me, the police need a tracking number for the replacement card that was sent and stolen. I'm so angry that XXXX can't understand or communicate with a person who speaks XXXX
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation (IL)

ONEMAIN FINANCE CORPORATION/ONEMAIN HOLDINGS INC has violated the Truth In Lending Act ( TILA ) by not properly providing trustee with full disclosure, which did not allow trustee to make a responsible and equitable credit decision.

ONEMAIN FINANCE CORPORATION/ONEAIN HOLDINGS INC 's actions have violated the rights of the trust estate as the legal holder in due course of the investment security.

ONEMAIN FINANCE CORPORATION/ONEMAIN HOLDINGS INC is trading on the stock exchange to their advantage using their access to confidential information ( insider trading ), initiating deceptive sales practices. 

Trustee repeatedly sent claims and even has a court case pending in XXXX XXXX XXXX Illinois, to which no ruling has been made as of XX/XX/XXXX. Trustee has tried to reach a settlement but ONEMAIN CORPORATION/ONEMAIN HOLDINGS INC has not responded. 

The date the security was initiated is XX/XX/XXXX in the amount of {$23000.00}