davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (TX)

MoneyLion violates the XXXX in numerous ways. MoneyLion fails to identify covered borrowers and comply with multiple provisions of XXXX. 

Secondary to this, MoneyLion violates FCRA by continually reporting charged off loan as late payment which has an additional negative impact to credit rating.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (AZ)

In XXXX we banked my son 's XXXX XXXX  with XXXX XXXX XXXX in XXXX, Arizona, when he was born. We decided to keep the XXXX XXXX when my daughter was born in XXXX with a XXXX XXXX, as there was promise of XXXX XXXX XXXX XXXX XXXX. My daughter received XXXX XXXX in XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX That means there is no longer any opportunity to XXXX XXXX XXXX XXXX as they are XXXX. 
Additionally, when new research indicated doctors do not need XXXX XXXX XXXX but rather just a person 's own XXXX XXXX ( which are regenerative ), it was clear we no longer needed to bank our son 's XXXX XXXX 
I called to cancel our subscription. 
Then, out of the blue, long after cancelling, after never hearing from the company for years and years, I received a notice from AWA Collection agency in XXXX, XXXX, stating I owed {$480.00}. 
How can the XXXX XXXX XXXX erroneously compile charges, NEVER contact us about them ( XXXX confirmed they still have the correct contact information for us ), then just send said charges to a collection agency, to get us to pay money we don't owe or threaten to ruin our credit???? 
This is EXTORTION. 
Had I been notified of such charges, I would have addressed them and corrected the record. My credit rating will show I do not ignore or not pay my bills. 
AWA Collections is attempting to collect this money, but this debt is not ours. I ask the company clear this off our record, and ensure this does not go to any credit bureaus.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TriStar Finance, Inc. (WA)

XX/XX/2020 Mortgage application was made to TriStar Finance along with supporting documentation. 
XX/XX/2020 Loan estimate with rate and fees was sent to borrowers. Rate was locked. 
XX/XX/2020 ( According to lender XXXX Investor sent out adverse market fee notice on 0.5 % GSE fee. 
XX/XX/2020 A whole bunch of disclosures sent to borrowers, including the 0.5 % G fee, which was not communicated to borrowers at rate lock. 
XX/XX/2020 Emails and phone communication between borrowers and lender regarding the added G-fee. Loan application was cancelled.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX is reporting a balance of {$260.00} on all 3 bureaus. I sent several letters to get more information on the debt and to get proper validation to no avail. I called the bureaus directly and XXXX to get proper documentation of proof of debt. Neither bureau or XXXX were able to provide me with proof or the debt validation. They just said it was a medical bill from 2019 from XXXX XXXX and that's the only information they can provide as they don't have anything else. 
I have tried to get a proper verification and haven't been able to. I have worked really hard to keep my credit clean and this is hanging in there. I have no problem paying for something is mine. I have no recollection of such debt/account and they can't give me anything either. XXXX advise me to file a complaint with you. In addition, the bureaus continue to change the day of last activity on a debt from 2019. They change the date of last activity to the current month resetting the clock every time.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/XXXX my car was repossessed by Santander Consumer USA. I was able to pay off the balance to reinstate my car loan. I continue to have problems making my monthly payments since. I have attempted to refinance my vehicle with Santander but was told that this is NOT an option ( they do not refinance sub prime loans ). 
Santander is one of the major players and profit from consumers like myself with subprime loans. 
The State of California ( Attorney General - XXXX XXXX filled a complaint in the best interest of THE PEOPLE OF THE STATE OF CALIFORNIA filled on XX/XX/XXXX ( THE PEOPLE OF THE STATE OF CALIFORNIA ( XXXX XXXX XXXX SANTANDER CONSUMER USA INCXXXX ( DEFENDANT ) CASE # XXXX. for violations of the unfair competition Law ( UCL )., Business & Professions Code section 17200 et sew. Santander had violated and CONTINUES to violate to the present day XX/XX/XXXX Californias consumer protection laws by placing borrowers with subprime credit into auto loans it knew and knows carried/carries an unacceptably high probability of default. The court awarded the settlement in favor of THE PEOPLE OF CALIFORNIASantander Consumer USA was fined. The court also ordered that SANTANDER CONSUMER USA change their business practice and stop its UNFAIR LENDING PRACTICES. 
My used car loan originated on XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. 
During the pandemic ( XXXX ) I had difficulties affording my rent, car loan and cost of living expenses. 
I have requested between XXXX day XX/XX/XXXX to work with my situation as I have had XXXX  twice and work injury. Due to the pandemic my work hours and salary were decreased not to mention my on the job injury. 

While speaking to SANTANDER CONSUMER USA customer service I have made payments on my car loan with added interest fees and having to agree to Santander contract that by accepting an extension of payment the life of my car loan will be prolonged and added interest rates will continue to add up. I am contemplating Bankruptcy  because paying a monthly used car loan of {$420.00} XXXX for XXXX XXXX XXXX is extremely high. 

Santander consumer USA is still making huge profits at the expense of consumer consumers like myself with sun prime loans. Even after paying the maximum I can afford I am told That this will Not guarantee Repossession of my car so what is the point? Their practices are harming consumers continuously. 

Signed, XXXX XXXX
Consumer complaint received 2022-11-07
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. (IL)

I called Experian in regard to an identity theft case. I was hung up on by a rep named XXXX. I kindly requested for the hard inquiries on my account that have no written consent to be furnished on my account.
Consumer complaint received 2023-05-26
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. (CA)

Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). 

Due to request being > 1 month old, legal process to remove the information has begun. 

Third parties involved : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

We have been working with our lender on a loan modification. on XX/XX/XXXX, we received a letter stating we were " approved, and accepted, a Forbearance Plan based on an evaluation of our application ''. The letter further states that " no action is required at this time, you are invited to complete your loss mitigation application by submitting all the documentation by XX/XX/XXXX ''. Additionally, the letter states that we will " have the opportunity to be evaluated for other options available at the conclusion of the forbearance period. In addition, we will reach out to you at least 30 days prior to the end of the Forbearance Plan to  discuss our situation and provide additional information regarding options that may be available. '' Although we have submitted documentation and followed up on numerous occasions via phone and e-mail, we did not receive a response. 
Our home was sold this morning. Although, we did not receive a notice of postponement, we were notified that we may not receive written notice of postponement each time the trustees sale is postponed. Not only did we have alot of equity in our home, we also could not afford a foreclosure on our credit, this should NOT happen. There are more details but this is the meat of the complaint
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (MN)

The appraisal for my home used outdated information, comps, and did not take into account current market conditions. I made several requests for my broker, Lennar Mortgage, to ask the bank/appraiser to use one of the many more recent comps in my neighborhood ( its a new construction neighborhood with many homes closing in the past few months ). However, the broker refused to convey my request to the bank/appraiser. Additionally, the broker will not share the contact information of the bank with me so that I can make my own request. 

History of the events : XX/XX/XXXX : Broker provides me with a copy of the appraisal using old comps XX/XX/XXXX : I requested that the bank/appraiser be notified of my request for new comps to be considered in the appraisal XXXX XXXX : Broker indicated they will not request changes to the appraisal stating that the appraisal met Lennar 's compliance regulations XXXX XXXX : I requested copies of the regulations XXXX : XXXX - XXXX : Several back and forth emails with little progress being made. 
XXXX : I requested that the appraisal be altered or the broker credit us for the cost of the inaccurate appraisal. Gave broker until noon XXXX to provide response. 
XXXX XXXX : Broker replied without giving direction to the XXXX request. 
XXXX XXXX : I requested the broker deliver a letter I had written to the lender and provide me with his supervisors contact information by noon on XXXX. 
XXXX XXXX : After no response from broker I sent a follow up email requesting a time when we would receive a response.
Consumer complaint received 2020-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have made payment toward principal {$14000.00} from XX/XX/20 to XX/XX/20 at Bank of America HELOC account.XXXX {$640.00} XX/XX/20 {$1800.00} XX/XX/20 {$680.00} XX/XX/20 XXXX XX/XX/20 {$2900.00} XX/XX/20 {$28.00} XX/XX/20 {$1800.00} XX/XX/20 {$1000.00} XX/XX/20 {$3300.00} but it reversed into unapplied founds since XX/XX/20 I have been talking to Bank of America until today XX/XX/20 but only {$5800.00} was credited to principal balance only and {$8300.00} is still in unapplied funds. I talked to more than dozen people at bank to fix this and every time they forward request to escalated team. I was told to wait till Friday each week but it did not fixed and it's all in the record and I have given confirmation numbers ex ) XXXX, XXXX, XXXX. Please believe me that I tried so hard with bank to help me to credit and allocate the funds to principal on the day I paid. I waited over tow hours to talked to bank and many times I was put on hold and disconnected so I had to call them back again waited another two hours.Today I got disconnected again. Not knowing when Bank of America will fixed the problem, I had to seek for your help. I would like to know why they credited only {$5800.00} and not {$14000.00} when they were fixing the issue which I could not understand.
Consumer complaint received 2017-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have contacted you --  XXXX   Fifth Third B ank -- our accountant emailed to them our taxes   XXXX   XXXX   they " ca n't find them '' I sent them again twice.     is this a scam to say they can not find the required documents & taxes???     very frustrating
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (NC)

Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-12
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: BARCLAYS BANK DELAWARE (TX)

On XXXX I received a notification about a hard inquiry on my credit report from AAdvantage Aviator XXXX XXXX XXXX XXXX XXXX also known as Barclays. 

I called the company to notify them that the activity was fraudulent and they notified me that the account has been closed, but they would need to do an investigation that could take up to 45-60 days before it reaches the credit bureaus, especially XXXX XXXX since that is the only one the inquiry is currently being shown on. 

XXXX is telling me they need a letter, but I can't provide a letter that I don't have from the lender and I want the inquiry removed from my report ASAP. 

So essentially my complaint is against both the lender and XXXX for this inconvenience. 

Lender info is XXXX
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (CA)

In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

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 they person knows or has reasonable cause to believe that the information in inaccurate
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

I was unable to get my debt resolved and I have told them and the original creditor my identity was stolen and they do not care and fail to acknowledge it as a debt that is not mine. The amount with interest is over XXXX $ but I would only owe XXXX $ if that due to charges that were mine. They would not show me signatures of things that are not mine and proof that the transactions were mine. When they should easily have been able to do this. I mean it is not hard to send it all by mail upon request. They even demanded I took a loan out for XXXX $ dollars and said they would sue me if I did not. When they have received multiple communications about this in the past from me and so did the original creditor. Which was Citibank
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP ()

Subject : Asking a help for finding US {$40000.00} Dear President of CFPB & US Bank, My name is XXXX XXXX, XXXX XXXX, Female. 

I am asking a help for finding my money US {$40000.00}. 

My account information is as the following ; Account Name : XXXX XXXX ( SSN-XXXX  ) Saving account : XXXX Checking account : XXXX I transfered my money {$40000.00} from account of US Bank at XXXX downtown to XXXX XXXX XXXX ( XXXX ) which mergered with XXXX XXXX. 

New bank name is XXXX XXXX XXXX. 

Account number of remitment was XXXX ( KEB ) After all, the account number doesn't exist any more. 

Current my account number is XXXX, XXXX XXXX XXXX, XXXX XXXX. 

The money came from that I remittanced the money from XXXX XXXX my account at XXXX after I traded out some stocks to my accounts of US Bank. 

But the money disapeared away in the air. 

The story what I was taken out of US ; I am an XXXX XXXX in University of XXXX  at XXXX ( XXXX ). 

There was a misstake for ragistering classes between me and XXXX. 

I registered classes for spring semester XXXX, but somebody deleted it. 

As a result, I was XXXX  by two police men of XXXX as illegal XXXX. 

And I was taken out of america after I was XXXX XXXX XXXX for 6~7months in XXXX. 

I got back to XXXX the end of XXXX, XXXX. 

I've gotten an " XXXX '' partially as I got lots of shocks by the horrible circumstance in XXXX. 

So far, because of that I couldn't remember about that. 

Please help me for finding my money as soon as you can, then I'd really appreciate it. 

Thanks for your cooperation. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

Cell : ( XXXX ) XXXX email : XXXX XXXX
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (MA)

Hello, Ive sent a dispute to recently experian agency about XXXX XXXX  account that was being reported inaccurate through CFPB. The FCRA says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must atleast respond in 30 days, and if they fail, the disputed item is required to be removed. This is fair violation of the investigation methods in which this past 30 day period.
Consumer complaint received 2023-06-28
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX