davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Dividend Finance sent us a copy of the Loan Application that my mother had signed. 
As we have stated before this was a predatory sale and loan. The XXXX sales rep sold my mother their 'top of the shelf " walk-in bath tub for {$23000.00}. The XXXX XXXX assisted with the loan application for the finance. Dividend Finance granted the loan to my mother who was living in a house that was on a XXXX Mortgage, she was deeply in debt, and was in XXXX XXXX Several days before the bath tub was installed my mother had an appointment with the doctor to look into XXXX. She went into hospital and never came out. 
My mother passed away in XX/XX/2023 leaving no will. Therefore we had to apply to the Court to be able to handle her affairs. Unfortunately we had to wait several months to have our probate hearing. I, XXXX XXXX, was granted Administrator of her affairs enabling me to find out more about this predatory sale/loan with the above companies. Dividend also charged us interest on the loan from the day she died to the day we were able to sell the property in XX/XX/2023. 

This was a loan that both parties knew she would not be able to pay off in her lifetime. She did not have the means to pay off this loan. There was also no consideration on the cost of her water bills which would be high in order to fill a very large tub. 

This complaint should not be Closed. My spouse, XXXX, initiated the complaint for me because I am an airline pilot who travels overseas so it helps if responses go to her email. 
I am more than happy to talk to someone to give permission for XXXX to communicate with you and/or send emails. Or I can talk by phone if need be when I am in the XXXX. 

Dividend have not provided all the information we have asked for. We are asking for a all documentation they used to determine that my mother was eligible for a {$23000.00} loan who I will repeat was on a reverse mortgage and deeply in debt and in XXXX XXXX
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XXXX or XXXX. 
In XX/XX/XXXX, I reached out to Equifax and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX  in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX  because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XX/XX/XXXXto merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (VA)

The banking institution allowed a financial depository to claim a withdrawal and refused to file a report of fraud to the financial depository about a false withdrawal the financial depository informed me that they have never received the fraud dispute from me or my bank and that it is their obligation to contact them. 

Banking institution is regions Bank. 

The financial depository is XXXX  XXXX.
Consumer complaint received 2022-10-12
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)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIANXXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.
Consumer complaint received 2020-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX and Experian directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because Experian continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XXXX  to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.
Consumer complaint received 2021-11-17
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$1000.00}. 

Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt. 

Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (NC)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is regarding CFPB File # XXXX previously filed against XXXX XXXX XXXX XXXX CFPB provided XXXX 's response which is correct. I am now dealing with Bank of America who has not returned the {$250.00} back to my account. I have been calling, faxing, going in person to the local BOA branch and I am getting the runaround and being told - wait 2-3 business days since XX/XX/XXXX. I am attaching the correspondence that I have had with BOA and a copy of the XXXX letter that CFPB forwarded to me.
Consumer complaint received 2020-02-18
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)

XXXX/XXXX  XXXX Active last reported XXXX XXXX opened XXXX XXXX XXXX type Revolving Industry Clothing Loan type charge account Limit {$1000.00} past due =========================NOT MINE ============================== XXXX XXXX {$1500.00} credit card Limit {$2000.00} ===================================================================CITI {$1500.00} ALL THIS ACTIVE ACCOUNTS ARE IN MY CREDIT REPORT I DID NOT DO THIS OR GAVE MY PERMMISSION TO NOONE TO OPEN THIS ACCOUNTS XXXX XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  CREDIT CARD, TRAVEL/ENTERTAINMENT XXXX XX/XX/XXXX XXXX CREDIT CARD, TRAVEL/ENTERTAINMENT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX  and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to TransUnion and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on TransUnion 's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called TransUnion because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on TransUnion 's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked TransUnion to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Noticed on my XX/XX/2019 credit card statement, that on XX/XX/2019, a payment was made for {$14.00} to something called XXXX   via Paypal. 
The phone number listed with the transaction was something generic like the paypal main number. I did call the number, but the person I spoke with seemed to have some trouble with basic English, so it seemed suspicious. Called my credit card company and asked them to make an inquiry to paypal about this. 
Paypal never responded. The credit card company eventually gave me a credit for {$14.00}. 
A month later I got a call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ), asking me why I had cancelled a payment to them. Well, if it was something for the XXXX, I guess I am down for that, so I called my credit card company and say that I wanted the previously refunded {$14.00} charge to do through, which they the card company agreed to. 
A month or two later, the XXXX told me that they never got their money, and that paypal had charged them a {$20.00} fee for a cancelled transaction. I called paypal and spoke to another suspicious sounding person who seemed to have trouble with English and managed ( after about an hour ) to express that I would like the charges to go through to the XXXX. I had to supply letters from the credit card company stating that I gave up my right to my {$14.00} transaction refund, which took another 30 minutes. 
After all that, the XXXX never got their {$20.00} back from paypal and neither the XXXX nor I got the {$14.00}. So, I am out {$34.00} for nothing. And paypal never even transferred the money. This is basically theft. 
I complained to the XXXX  XXXX XXXX  and youll never guess like a month or two later someone got back to me and basically summarized my complaint back to me as a response. I followed up on this and like a month later, I got a reply telling me that no one was getting the {$20.00} back. ( Too bad, so sorry, I guess. ) And, still no one got the original {$14.00}. Theft. Just theft.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with Experian, XXXX or XXXX.
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (FL)

My credit card was used by an unauthorized user between XX/XX/XXXX-XX/XX/XXXX. I was unaware until I started receiving debt collector calls. When I ask what their protocol is on disputing debt, where I could send complaint or disputes, I was always transferred. I would call XXXX and was told to call XXXX. They could not help. The referred me to XXXX who also could not help and referred me back to the XXXX. I have been able to close the account and just recently gave them my correct address. Credit cards statements are still being sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, which I have NEVER lived at. Whenever I ask whom to contact to dispute the calls, I am referred back to another phone number that tells me to pay a lump sum. Most recent calls were made on XX/XX/XXXX, XX/XX/XXXX No one has been able to address my needs, give me a confirmation number, or a protocol dispute a debt
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We have been asking for a loan modification for years. In particular, we have asked for a lower interest rate ( ours is 6.5 % ), an extension of terms, have provided info regarding why we were struggling. The answer by our loan servicer has always been a repayment plan making the monthly payment even larger. Last offer, that we accepted, was a balloon payment which only brought our account current. Monthly loan payment still exorbitantly high. 

Our servicer, Select Portfolio Servicing, is not customer oriented and really has not offered us any significant relief.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

I have received a very poor credit score XXXX due to Bayview Financial my new mortgage company and the reason my score is so low and late payments, I have never been late on a payment ever. However, I applied for a loss mitigation with my previous loan company XXXX and it was approved for 6 months at {$100.00} per month and then back to regular payments starting in XXXX. Then my loan was sold to Bayview Financial and they are not recognizing my loss mitigation and stating my mortgage has been late all this time. LOAN # XXXX
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MA)

Date - XX/XX/XXXX Email- XXXX Amount - {$250.00} Ticket - XXXX Department - account specialist Venmo is telling me it will take 3-5 days, I cant wait this long I am a student, kindly take action against them to resolve it faster
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I do not think that is fair. I called to see why I was late since I have not used this card. They informed me that it is an annual fee. I received no emails or mail notification of the fact. Maybe I did pay this in the past because I was using the card. But I paid off the balance and have not used it. I have never had a late payment in my life and this dropped my credit score over 100 points. Please help me.
Consumer complaint received 2021-11-17
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. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, Experian, and XXXX credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2021-11-17
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. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries/inquiries on my XXXX, XXXX, and Equifax credit report. I recently retrieved my credit report and it showed numerius credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

The company 's name is XXXX and they're a collection agency with Bank of America. They've been calling my sister and aunt regarding my debt leaving several messages. My aunt already told them she would give me the message, but they keep calling her. Basically, they contacted a third party on more than one occasion. 

I called this morning and asked them to stop contacting my family members. They call repeatedly throughout the day and evening. 

They also stated they wanted to send a certified letter to my home between XXXX XXXX and XXXX XXXX There is no need to contact me to send a certified letter through USPS. 


I stated I wanted no more phone communication.