davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

Mr. Cooper/ XXXX XXXX is who we have our home thru. We have struggled with payments. My husband has now had XXXX XXXX  and I XXXX XXXX XXXX in XXXX of this year. We had planned on coming off of that forbearance then... we didn't know then what was ahead of us. It would have been the same thing as told to us now back in XXXX of XXXX. We had managed to be get our payments caught up minus 700 etc. In XXXX So when I called that day to pay that bill they offered us the forbearance. Telling us it was help that was offered for people like us and that would get us over the hump. Not one time was it mention that if we didn't pay the XXXX that we couldn't refinance when we come off of the forbearance. Are put the money we owed at the end. All of this was mention that things we would do when we first started the forbearance. We or myself was glad to pay XXXX cause we had struggled and made it. We never knew that we weren't going to be able to keep our home. I think it was the XXXX or in the time frame that I called Mr.Cooper to tell them we were ready to come off of the forbearance. Then on the XXXX a man called and told us they couldn't help us with a modification cause we had use it up in the past an we couldn't refinance cause we were behind when we started the forbearance. They weren't able to help us at all. The best thing I could do was to pay the behind amount .... 12,000 or at least 10,000 ... or do a short sale on our home. The first man was really smart to me and he enjoyed telling me we were losing our home. Ten I called later that night and spoke to another man same thing I am sorry there is nothing we can do to help you.. I don't have XXXX or no way to get it. I said we had the money to pay and we were told we didn't need to. The girl said we didn't have to cause we were doing the forbearance. I was happy cause we could get help. Now they says if we don't pay our behind amount we lose it to foreclosure in about 2 months and 3 weeks. I had called and tried everything I can possibly do to save out home. I even called XXXX XXXX and nothing there to help us. I offer to pay them XXXX towards our behind money but they said no. I am XXXX and my husband is XXXX we don't won't to lose our home. We have pets. We love our pets. We don't don't know what to do about getting a new mortgage or refinancing our home. I have asked my son to buy it so we can keep it. It was wrong to ask for the forbearance. We loss our other home to a fire. We bought this one afterwards. I am XXXX and I am working part time to help us. It hard to work cause of my hip. No matter what I try and do Mr.Cooper refuses to help us ... and never will XXXX XXXX. I have since learned that Mr. Cooper has stole other people 's homes. It's not right. If they had said go ahead and pay that XXXX then I would have and I would have my house refinanced now or that is what they have lead me to believe. I am scared, beeen a rough week worrying about losing our home. Thanks XXXX XXXX
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I have 2 collections from XXXXXXXX XXXX for the same amount of XXXX. One is for an account dated XX/XX/2018 and one is XXXX XXXX they have been assigned to southwest recovery service . I have never had a XXXX XXXX account and I called to inquire with southwest recovery and they said call XXXX XXXX, when i called XXXX XXXX the said call southwest recovery. XXXX XXXX  or southwest recovery has never tried to contact me, of course they wouldnt know my phone # or address because ive never had an account with them.
Consumer complaint received 2021-09-27
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. (OR)

I received an alert through my XXXX credit monitoring account that a credit inquiry had been generated by XXXX XXXX XXXX  on XXXX XXXX, which I did not authorize. I called the bank in question, and the customer service rep reported that a request was made to issue a MasterCard in my name, with the correct home address, SSN, and mobile phone number. When I mentioned that I have an existing fraud alert on my credit accounts ( since XX/XX/XXXX ) after the IRS discovered that an alternate party filed federal income taxes for XXXX in my name, the customer service representative ( XXXX ), reported that she " would cancel the account before the card was mailed ''. This conversation with XXXX occurred XX/XX/XXXX. I am concerned, however, that a bank would issue a card to a potential customer with a fraud alert without first confirming that customer 's identity.
Consumer complaint received 2021-09-27
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: S&S Physician Services, Inc. (FL)

603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to XXXX regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
XXXX sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

XXXX did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that XXXX furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. Harvest Associates INC and XXXX for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TX)

I requested close my new checking and saving account at Regions Bank because of my personal info loss. I called their service and they said I need to go to the branch. I have health issues and can not visit the branch due to the pandemic. Regions should close the wrong-open account automatically.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

This is my second complaint with Experian and XXXX on why these addresses that do not belong to me are reporting on my credit report. Experian is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and XXXX is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NC)

I have tried several time to inform the credit companies ( XXXX, Equifax, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXXXXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Bank lowered my credit limit and drop my score down XXXX points because I opened an new credit card to consolidate my other cards. It went down from XXXX to XXXX cause I had another credit card. 
I have never been late, was over my credit limit and it took me 8 years to get that credit limit. It discrimination that they looked at my XXXX and said I wasnt eligible to have their card due to what, my financial situation, i have no negative marks, i am not maxed out on any of my cards, and make more than enough to pay my bills. 
When talking to a representative, they have nothing to say but it is what the company wants and there isnt an option for a review or reverse of the issue.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I have fallen victim to a widely reported scam targeting XXXX  XXXX XXXX customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX  XXXX XXXX customer service, spoofed the XXXX 1-800 Customer Service number XXXX and knew various account details with BOA. Upon reporting the scam to XXXX  XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX  XXXX XXXX, or BB & T bank have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " XXXX XXXX '' app. No one from the California EDD office has returned my calls or e-mails. Recently I was contacted by XXXX  notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Consumer complaint received 2019-02-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XXXX my husband and I contacted XXXX XXXX  XXXX to purchase a truck. We have purchased several trucks from them. On XX/XX/XXXX, my husband and I contacted XXXX XXXX  XXXX and agreed on a vehicle we wanted to purchase with our trade in. We made an appointment to go to the dealer on XX/XX/XXXX. We ultimately purchased the vehicle on that Saturday, XX/XX/XXXX.  Upon reviewing my credit report, I learned that XXXX XXXX XXXX had made an inquiry into my credit report on XX/XX/XXXX. This was prior to : 1 ) walking into their dealership. Communications were by email and phone ; and 2 ) Signing any documents allowing them to pull my credit report for financing purposes. I believe this practice is illegal. They had our information due to prior purchases at this dealership. However, until documents are signed, I believe that they do not have the right to look into my credit.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On AugustXX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/2023 my balance was {$350.00} plus a past due balance of {$270.00} The bill is generated every XXXX day of the month with a due date on the XXXX. I then made a payment for {$150.00} through the automated line. When I called today for updating my current balance, and making another payment, the automated system said I owed more than {$800.00}. They payment from yesterday, which has already cleared my bank, has been added instead of deducted from the balance. I spoke to employee number XXXX, XXXX, and she told me I owed for the month of XXXX now. She also spoke over me and would not listen or make any attempt to resolve the balance at all. I was also told my fees are {$50.00} per month if not paid on the due date.
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (AL)

On XX/XX/2022, I reached out to Fidelity Creditor Services via this site. Your agency reached out to them on XXXX. Then your agency reached out to them again to provide debt validation. 

Fidelity Creditor Services provided a statement. They verified the debt of {$3000.00} to all three credit bureaus. They verified on XXXX it was inaccurate and false and that they would email information to show this account was validated. As of XXXX, I have not received any information from Fidelity Credit Services. 

This is my third attempt to have validation of the debt. I have sent a certified letter to Fidelity Credit Services to validate this debt as of XXXX. I do not have time to sit and go around and around with a company that has blatantly violated all XXXX XXXX XXXX information. I demand they send all information to CFPB as an attachment to verify they can validate the debt. 

I do not understand how a simple lie on their behalf without valid proof of documents proves this information belongs to me. I am requesting the documents are sent through this platform by Fidelity Credit Services. What is the Debt? When was the Debt Created? I have never even heard of Fidelity Credit Services-Tate Real Estates as a representative.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  XXXX I have an a consumer report with open lines of banks that were opened in my name and other information in other states etc.. Because of that, I am unable to open banks. However, I will provide all the information needed when I speak with someone.
Consumer complaint received 2018-01-14
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. (AZ)

XXXX previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my XXXX credit report, now the accounts is back on my XXXX credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. XXXX previously deleted and permanently blocked the accounts from my XXXX  credit report.
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MD)

US Bank offered a cards that would give a cash back of {$200.00} after spending {$1000.00} in 90 days. I spent {$1300.00} then stopped using the card while waiting to see the {$200.00} credit applied. Four months later I did not see the credit and called the bank. I was told the credit wouldn't be applied until the " offer '' ended, which was 1 to 2 months later ( reportedly ). After not seeing the credit, I called the bank two months later and was told there was no such offer, that I was to have spent {$2000.00} in the time period not {$1000.00}, so I wasn't entitled to any credit. I subsequently cancelled the card.
Consumer complaint received 2022-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

On XX/XX/22 I received an email alert from my bank that funds had been withdrawn from my checking account by Lakeview Loan Servicing LLCin the amount of XXXX XXXXresulting in a negative balance. However, documentation I received earlier from this company ( dated XX/XX/22 ) stated that my 1st mortgage payment would not be due until XXXXhaven recently ended forbearance under the CARES Act and utilizing a FHA COVID-19 Partial Claim. 

When I contacted LakeviewXXXX  regarding this discrepancy, the summation of responses from 3 different agents, ranging from customer service to escalation team members was : 1 ) Bank-drafting automatically restarted once my Partial Claim made my mortgage current 2 ) The best they could do to resolve their mistake is reimburse me with a paper check and mail it to me, which would take XXXX business days. 

With the1st payment due date being documented and set as XX/XX/22, it was wrong for those funds to be withdrawn before that. Lakeviews suggested resolution to mail a check with such delay is inappropriate because of their culpability ; while their error currently prevents me from paying bills, as my bank account is now far in the negative! 

Lakeview Loan Servicing LLC ( and XXXX ) erroneously but conveniently withdrew money out of my account ; they, like millions of other persons and businesses, demonstrate the capability to instantly transfer funds. To be told that they could not do this to rectify such a grievous mistake is an insult and bad business. Lakeview also has once overnighted documents via FedEx for me to sign and return to them, showing that they also have the capability to move swiftly when they want ; even when it involves using the postal service. Lakeview Loan Servicing LLC should rectify the mistake they caused by quickly reimbursing me via money transfer or overnighting a check and also covering the fees incurred from bills that could not be paid because of their debacle.
Consumer complaint received 2019-12-09
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (NC)

I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.