davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

A fraudulent signature document was used to obtain USAA mortgage loan lender number XXXX from USAA Federal Savings Bank XXXX XXXX. A limited Power of Attorney was given to my then husband XXXX XX/XX/XXXX ) from whom I am now separated since XX/XX/XXXX. I just found the documents that show how our ( XXXX XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX ) marital home was placed in his name exclusively and then went from HUD loan to XXXX XXXX XXXX while I was under the impression that the house was being refinanced in both names. This is what my limited POA provided for. Although married to XXXX XXXX XXXX, the loan application completed by XXXX XXXX XXXX # XXXX, only completed Request for Transcript XXXX Return for XXXX XXXX. I was however required to produce my income information at some point in the process so it is quite apparent that he was married. This HUD to USAA mortgage is not recorded to secret the transaction. The Uniform Residential Loan Application indicated that the purpose of the loan was for cash out and it is represented that the loan amount is more than the expected refinance. Also, from what I can see XXXX XXXX has allotment from his military pension for the mortgage to be paid but the USAA mortgage statement indicates this is a reverse mortgage although he is not qualified and not age 62. 

USAA 's Mortgage Loan Originator XXXX XXXX also known as XXXX XXXX has used her position at USAA to commit mortgage XXXX while a paramour with my husband. There is an improperly photocopied signature page with my name that he has been using for these kinds of transactions. The one I found has no date and a signature of a notary without any details of who this person is. Currently, our SC XXXX is indicating that it is owned by XXXX XXXX. This is mortgage XXXX. USAA has been uncooperative and obstructs my attempts to obtain any financial records including my own since XXXX. Because of the extra-marital affair as a measure of the influence of their administrative team, intentional harassment has occurred through various actions they have taken against me, which include denial of access to my own account and spontaneously change the manner in which I can make payments of auto loan and credit card accounts still in effect. Selectively, they have refused to take action against XXXX XXXX when this first started as he informed them what he was not going to do as it relates to the joint auto loan. What primary loan borrower can designate that to a creditor? 
Additionally, about the same time, there's another mortgage equity loan on our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida property that show 's XXXX XXXX '' mother as a co-borrower with SS # ending XXXX. His mother XXXX XXXX died XX/XX/XXXX, in XXXX, XXXX XXXX and I informed the XXXX XXXX probate court of her death XX/XX/XXXX when I found altered Will as well as a fraudulent Will.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I would like to write some comment on your review regarding my complaint on XX/XX/XXXX XXXX XXXX on CFPB report # XXXX. I believe I already submitted the necessary documents for the extend alert for your credit report company. Since your submitted review asked me to submit following information, I would like to write below and send this letter with a copy of FTC IDENTITY THEFT REPORT. 
REGARDING THE CREDIT REPORT ISSUED BY YOUR COMPANY, EQUIFAX, I BELIEVE I HAVE NOT EXPRESSED SO MUCH CONCERN COMPARED WITH THAT OF ANOTHER CREDIT REPORT COMPANY, XXXX. I BELIEVE I JUST REQUESTED YOUR COMPANY TO ADD EXTENDED FRAUD ALERT AND SECURITY FREEZE. I AM ON OATH THE NAME ON THE CREDIT REPORT DATABASE MUST BE MY LEGAL NAME IN XXXX AND THE UNITED STATES ; THEREFORE, MY LEGAL NAME, XXXX XXXX, SHOULD BE ON THE LIST OF ALL COMPANIES IN XXXX AND THE UNITED STATES. SINCE I KEPT MY MAIDENS NAME AS MY LEGAL NAME AFTER MY MARRIAGE, MY LEGAL NAME HAS NEVER CHANGED AFTER MY BIRTH IN XXXX ; THEREFORE, I CAN NOT UNDERSTAND WHY I HAVE BEEN MENTIONED THE OTHER NAMES EXCEPT MY LEGAL NAME, XXXX XXXX, BY SEVERAL COMPANIES ALONG WITH THE CREDIT REPORT COMPANIES. I CAN CLEARLY STATE INTENATIONALLY USED LEGAL NAME, BECAUSE I HAVE SOME ACADEMIC CERTIFICATES AND DEGREES FROM XXXX, XXXX, XXXX, THE UNITED STATES, AND XXXX. THEREFORE, I DO NOT HAVE ANY FORMER NAMES WHICH I WANT TO REMOVE FROM MY CREDIT FILE OFFERED BY YOUR COMPANY. IF YOU REMOVE, I WILL NOT HAVE ANY NAME ; THEREFORE, I NEED TO ASK THE ADVICE WHAT I SHOULD DO IN THAT CASE TO THE XXXX XXXX AS A XXXX NATIONALITY. I STRONGLY BELIEVE ALL CREDIT REPORT COMPANIES LIST MY NAME CORRECTLY. IF YOU DO NOT BELIEVE THE LISTED NAME IS NOT CORRECT, PLEASE NOTIFY ME. I WILL GLADLY SEND THE COPY OF XXXX PASSPORT. STILL, YOU NEED MORE OFFICIAL DOCUMENT TO PROVE MY IDENTITY, THE XXXX XXXX IN XXXX WILL PREPARE THE LEGAL AND OFFICIAL DOCUMENT WITH SOME FEE ABOUT {$30.00} TO {$50.00} DEPENDING ON THE CONTENT, WHICH CAN BE USED INTERNATIONALLY TO PROVE MY IDENTITY. I BELIEVE I HAVE SENT SOCIAL SECURITY NUMBER AND DRIVERS LICENSE. AND I RECENTLY HAVE PAREPARED ONE MAIL WITH A COPY OF XXXX PASSPORT ALONG WITH SOCIAL SECURITY NUMBER AND DRIVERS LISENCE. IF YOU NEED MORE OFFICIAL DOCUMENT, PLEASE LET ME KNOW WHAT KIND OF OFFICIAL AND LEGAL DOCUMENTS DO YOU NEED TO PROVE MY IDENTITY AS A XXXX NATIONAL. MAYBE, YOU WANT ME TO CHECK MY DNA WITH MY FAMILY IN XXXX ; EVEN THOUGH I AM NOT SURE WHO AND HOW WILL PAY THE COST OF THAT. I NEED TO KNOW WHO WILL PAY THE FEE OF DNA TESTS IN XXXX AND THE UNITED STATES. I WOULD LIKE YOU TO EXPLAIN THIS MATTER. 
Sincerely,
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (TN)

I have been hospitalized twice recently with COVID and have been unable to work.

Got behind with Security Finance. Made a payment as per agreement. Lady asked me to tell her when I'd have more payments. I told her I'd try to pay again by XX/XX/XXXX. She said that was not good enough, and that they don't offer payment arrangements. ( Actually she told me no payment arrangements when I called a month or so ago. )
Consumer complaint received 2019-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I purchased a new XXXX XXXX XXXX in XXXX of XXXX. I have been paying {$580.00} per month for 25 months on time with the exception of one late payment. I have tried many avenues to get from under the bad loan but all say I am too upside down int he vehicle and will have to pay between $ 5-10K to trade it in. I feel like the company Automobile Acceptance has participated in predatory lending. As of XX/XX/XXXX, to pay the car off is {$20000.00}. I have paid a total of about {$14000.00} into this car. The company has refused many times to refinance. As I mentioned earlier- it proved impossible to get from under this loan. I would like to know how I can file a predatory lending complaint against this company. Keep in mind my car is only work less than $ 10K. As i look at my statement ( attached ), I am paying {$430.00} in interest. At this rate it would take me forever to pay off a okay with little value.
Consumer complaint received 2018-09-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IL)

I have a loan that was sold to XXXX XXXX. The balance has not change since they got the loan. I have sent them copies of the Promissory note and copies of the statement how the loan was process at XXXX XXXX. I have called several time requesting a reason why the balance never change and was told it is under Investigation. on XX/XX/XXXX I call and was told the loan had not been paid in over a year and that they we going to start refusing payment because the loan was past due. on XX/XX/XXXX I spoke XXXX from Selene I made a payment and told her of my concerns and explain to her that I have a XXXX XXXX and that this was getting very stressfull. She went over the file and stated that she could see the payment and did not understand why the account is showing late. The amount of the loan is {$3300.00} since XX/XX/XXXX I have been sending XXXX monthly.I have my statement showing the payment from XX/XX/XXXX to current. History showing the org. loan was not a interest only loan and the payment history before the loan was sold.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I XXXX XXXX am a member of the XXXX Community. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of XXXX XXXX XXXX claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX No. XXXX LLC. This company is a scam. There is no connection to ownership of the original credit card I had with Capital One. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. Capital One is  also part of the same scam. All of Capital One credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on Capital One pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!
Consumer complaint received 2019-05-02
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. (GA)

My complaint is against EQUIFAX! On Monday I filed an online dispute with Equifax to have unauthorized inquires removed. Because I've had issues with them in the past taking actions which I didn't request I called them today ( Thursday ) to make certain that they hadn't placed a Fraud Alert on my credit file. In XXXX of this year I sent them a FAX verifying my identity in order to have them answer my question as to why my credit card hadn't been added to my credit file. They ended up sending me a copy of my credit report though I never requested that they do so! 

Today when I called I was again subjected to their asinine questioning to prove my identity. Whenever I have prove my identity over the phone with XXXX or my banks, I never have the unfortunate drama which I have with Equifax! I was forced to send them a FAX again to prove my identity and was told I would have to wait 7 - 10 business days for them to get their act together again to address what should be a straightforward and simple solution. 

I have four trade lines on my credit file. Two are authorized users from my mother 's credit cards, two are my own credit cards. I don't ask that my mother share with me her credit card payment information, so I didn't answer those questions at first, however, when I checked what was on my Equifax file and answered the questions I was still told I didn't answer the questions correctly. I seriously doubt they wanted to provide a reasonable method to verify my identity over the phone. 

That Equifax is based here in XXXX and that I a native of XXXX have to speak with call center representatives based in the XXXX concerning uniquely U.S.A. consumer credit issues is ridiculous. I'm a businessman who relies on my good credit for the growth of my company. That an incompetent group like Equifax has their cumbersome hand meddling in my financial affairs is criminal!
Consumer complaint received 2021-02-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and USAA Savings Bank and XXXX. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While I was studying abroad in XXXX ( about a month after graduating ), XXXX stated that I made a late payment. The entire time I was in XXXX, which was for over 1 year I never received any information regarding the loan nor payments. I was unable to see any mail sent to my house as I was abroad. Before I left for XXXX, there was no communication between XXXX and myself. I never received any form of communication from them telling me I was going to have to pay soon. I also have loans with XXXX XXXX, a private lender, and was paying on those while in XXXX. Had I known about XXXX loans, I obviously would have paid them in a timely manner. I have provided proof of my time in XXXX and they have consistently denied my requests to fix my credit report or even negotiate with me. Upon returning to the US in XX/XX/2017, I checked my mail and saw the letters from XXXX. I immediately called and started a payment plan with them. I have never been late on any payment. They have marked my credit score with 9 late payments ( 1 for each loan ). This is creating havoc in my life and is forcing me to find cosigners for each and every major purchase needed. I have been denied by various credit advantages due to this incorrect information on my credit report. All I am asking if for someone to try and understand my situation. This is making my life very difficult when it should not be.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Approximately XX/XX/2018 I noticed my fico score dropped around 50 points out of no where. This was apparently due to a serious delinquency according to my fico score. I retrieved all 3 credit reports from the credit bureaus and there were no issues regarding a delinquent account. I called transunion and apparently one of my student loans from XXXX hadnt reported in a while so I filed a dispute and that was eventually resolved. Being that is was a year ago I dont recall the outcome specifically but I believe they began reporting again. Now, a year later, my fico score is still low due to a delinquent account. I still do not show any delinquent accounts. I called the loan company ( XXXX ) who assured me all my payments were on time or there was one late payment when XXXX took over XXXX and I sent a check to XXXX   instead of XXXX but XXXX assured me about 2 days ago that wasnt reported. Additionally if it was reported its ridiculous because they changed companies and where my check has to go wasnt where my auto payments sent it. Again there are no delinquent accounts or missed payments on any of my credit reports. Transunion has basically said I have to call the loan company XXXX  and XXXX has said I have to call transunion to resolve this issue. I am looking to get a mortgage in the near future and my fico score is being affected by a phantomlate payment.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (MA)

I XXXX XXXX am a member of the XXXX XXXX. It is my belief that I am part of a minority that is easily targeted by collection agencies, or as in this particular case a debt buyer. But here is where the problem starts. A company by the name of Stoneleigh Recovery Associates claims that they are now collecting a debt on behalf of the current creditor known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a scam. There is no connection to ownership of the original credit card I had with XXXX XXXX. Simply because this agency send to me copies of credit card statements for the past 18-months does not prove that the original debt was actually purchased. XXXX   XXXX is also part of the same scam. All of XXXX XXXX credit cards are securitized, and it makes no difference if my credit card limit is {$500.00} of {$500000.00}. The fact remains that there is no method on XXXX XXXX pulling this securitized debt obligation from a trust under the Securities and Exchange Commission Act. Therefore, I demand a full qualified request of the debt ownership. I demand this full inquiry on documentation immediately, and a cease and desist on all calls to any of my phone numbers, including any relative. Debt buyers are running the largest financial scam in America, and they are targeting minorities such as myself. The Consumer Financial Protection Bureau must take this complaint seriously. This collection must be rescinded immediately and permanently!!!
Consumer complaint received 2019-05-02
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. (IN)

Around XX/XX/XXXX I opened a dispute with all three credit reporting agencies : XXXX, XXXX and Experian about the creditor XXXX and the inaccurate information being reported about me as a consumer. XXXX  was the only bureau to respond around or on XX/XX/XXXX to remove all false and inaccurate accounts with XXXX from my reported files. XXXX was also successful in deleting some of the accounts with XXXX, however one remains and I would like this account removed immediately. It is important to me that what is reported is reflected accurately across the files of each of these bureaus. I have since sent in all the required information to address this last account with XXXX and they continue to fail to remove this account. I have also sent in the required documentation to Experian but all my letters go ignored. I wish for these last two bureaus to take accountability for their error. XXXX has removed the accounts so it is only natural XXXX and Experian remove all the accounts with the creditor XXXX and XXXX XXXX as well.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I got a XXXX XXXX for XXXX service at XXXX XXXX In XXXX FL. The credit was fro {$9000.00} for XXXX services of {$4000.00}. At the time of receiving the credit for 24 months 0 % interest, nobody explained to me that after 24 months ( XX/XX/XXXX ) I was going to be charge interest for the entire treatment amount of {$4000.00}, regardless of any remaining valance. I was under the impression that the {$660.00} payment I had left, was the only think I was suppose to pay this month. I was shocked today when I log into my account to make a payment and noticed that i was charged {$1100.00} interest. 
I called Comenity Capital Bank to get an explanation and advise about the paperwork I have from XXXX XXXX, which does't mention anything about paying high interest after 24 months, but they said they sent notification on the bottom of my statement that I never saw until today because i signed up for paperless and the only emails I've received from Comenity Capital Bank were about payments reminder. 

please let me know how you can assist me with this issue! 

thanks, XXXX
Consumer complaint received 2019-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (IA)

On XX/XX/XXXX I notice in my billing that the Variable interest rate did not drop with the most recent fed rate drop. I reached out the the service providor asking about the loan inerest rate. Twice I was told within 10 minutes of my submission that they just service loan and was not able to help with inetrest rates. I am not asking them to drop the rate but I do expect them to inquire to the lender who is issuing the loan to verify the information they are charging. They don't care if you are over charged because they are going to make their money ethier way.
Consumer complaint received 2023-04-05
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. (NE)

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 bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX