davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (MD)

EOSCCA Collection Company has continually send correspondence to my home address requesting payment for a debt that is claimed to be owed to XXXX. I am UNAWARE of this company and I DO NOT OWE XXXX any debt. In XXXX, I CLOSED out an account with XXXX by paying the FULL balance and returning all of its equipment and DO NOT OWE a debt to XXXX. I have contacted XXXX in regards to this matter and was told I needed to speak with EOSCCA Collection Company because they brought the debt and they NO longer have any information pertaining to this debt. This information is totally INCORRECT and I have made several attempts to resolve this issue with EOSCCA Collection Company who stated that there is nothing that they can do. I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. When I requested a copy of the account, I received an OLD XXXX XXXX dated XX/XX/XXXX from EOSCCA Collection Company showing the final payment of {$310.00} that I made to XXXX and then the payment was reversed. It also shows {$650.00} in Equipment that I RETURNED to XXXX and {$67.00} in fees and surcharges that I do not owe. The total amount was listed at {$1000.00}, which is INCORRECT. In addition, this company has placed a COLLECTION ACCOUNT on my credit file for listing the amount owed {$1100.00}. It also indicated that this account was OPEN on XX/XX/XXXX. I did NOT conduct any financial transaction with this company on or about XX/XX/XXXX. My account with XXXX was CLOSED in good standings 4 years ago with a {$0.00} balance. When I contacted XXXX, the company was NOT able to provide me with a final statement or any information stating that I owe any money. 

I have NEVER conducted any financial transaction with this company nor have I ever signed any legal obligation to pay this company any money. This company DO NOT have the legal right to collect any money from me. 

I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. 

I DO NOT have any other Collection Accounts on my credit report and this company is impacting my credit rating tremendously and damaging my credit along with trying to collect a debt that I DO NOT OWE. 

I AM REQUESTING THAT THIS DEBT BE REMOVED FROM MY CREDIT FILE AND NO ADDITIONAL ATTEMPTS TO COLLECT A DEBT THAT IS INCORRECT BE SENT TO ME REQUESTING MONEY THAT IS NOT OWED. 
I am respectfully requesting that you please review and take appropriate action. Thank you in advance for your attention to this matter. Ill await your
Consumer complaint received 2021-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (CA)

I have been trying to reach SoFi ( XXXX  XXXX XXXX   ) for more than 2 weeks about a verification of deposit form and they just keep repeating the same statement " We need the lender to send us a VOD form ''. I as an account owner of SoFi am request a verification of deposit for XXXX XXXX reasons. XXXX does not provide a VOD form. The employees at SoFi can not seem to understand the simple fact that a VOD form for immigration can simply be requested by account owner. 

I have spent countless hours on phone with SoFi. I have created multiple tickets with SoFi and all their end result was wasting my time when my visa appointment is coming up! 

I even created a VOD form as an Individual to submit to SoFi and they rejected it for not having " company letterhead ''. HOW DOES AN INDIVIDUAL HAVE A LETTERHEAD? WHAT DO THEY WRITE? ACCOUNT OWNER, LLC? SoFi just doesn't understand simple facts.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

To date this year since XX/XX/2021, Wells Fargo has deducted 75 overdraft fees from my checking account at {$35.00} each. The total is {$2600.00} this year. The bank also charged me over {$2000.00} in fees last year. I work in construction and take home less than {$50000.00} per year, so these fees cause me very real hardships. 

I turned off overdraft protection years ago so that charges would just get declined. However the bank still approves some recurring transactions even though I don't want them to. 

I should also note that I covered all of these overdrafts within a week at most. I work full time and have deposited a paycheck every Friday at Wells Fargo for the last 5 years. 

I've also gone into branches many times to request fee reversals. After reversing a few fees about a year ago, the bank has since refused to reverse any more. Last time I went into a branch, a banker read through my transactions and shamed me in front of other customers for incurring the fees. It was humiliating. 

I really don't trust Wells Fargo at this point. They send emails daily saying they're here to help during COVID, but then they charge me overdraft fees everyday. I feel totally manipulated and exploited. 

I just want them to stop charging me fees so I can finally cancel my account and switch to a new bank. It feels like an abusive relationship. I worry Wells Fargo wants to keep me in this hole, which is why I now feel the need to file a complaint. I'm just looking for a way out, and to prevent them from preying like this on other vulnerable people. 

Sincerely, -- XXXX
Consumer complaint received 2021-10-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from XXXX XXXX XXXX XXXX In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, XXXX XXXX XXXX responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called XXXX XXXX XXXX to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with XXXX XXXX XXXX, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. XXXX XXXX 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to Citibank regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from Citibank, I would be happy to share with CFPB. 

The previous reference number I had with XXXX XXXX XXXX was # XXXX. The active and current reference number they have assigned is # XXXX
Consumer complaint received 2024-10-02
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: CHERRY TECHNOLOGIES INC. (LA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear CHERRY TECH, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana state law regarding identity theft and fraud. 

It has unequivocally come to my attention that CHERRY TECH has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Louisiana Revised Statutes ( LRS ) Title XXXX provides clear guidelines regarding the protection of consumer information and credit reporting. This statute emphasizes the necessity of accurate and fair reporting practices and reinforces the importance of consumer consent in the sharing of personal information. Furthermore, under LRS Title XXXX, which addresses identity theft and the illegal use of another persons identifying information, it is clear that the unauthorized use of personal data, including credit reporting, is a serious offense under Louisiana law. 

I assert with unwavering certainty that I have not provided consent for CHERRY TECH to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CHERRY TECH immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable provisions of Louisiana law. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CHERRY TECH will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I was affected by the covid pandemic and applied for forbearance. Once the forbearance period ended, Mr. Cooper offered me a loan modification agreement ( HAMP ). My original loan amount was {$420000.00} in XX/XX/XXXX and my unpaid loan amount was {$400000.00} when the forbearance started. I now received a modification that it is to be in effect in XX/XX/XXXX with a balance of {$440000.00} and extended by 4 years until XXXX/XXXX/XXXX, instead of XXXX/XXXX/XXXX. My rate was decreased by 0.5 % and is offered now at 3.25 %. In addition to that I was requested to pay a monthly escrow of {$1000.00} plus XXXX in a 60 month period. In sum : 1 nowhere in the modification they sent me there is a CLEAR AMOUNT showing what I will pay monthly. 2- My loan of $ XXXX jumped to {$440.00} K in one year- which is XXXX more than before the forbearance, which is they are charging {$2.00} a month for late fees plus 3 years more of payments ( XXXX more in payments ). I am not financial expert but this is not right.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Suddenly late XXXX, I noticed that they were not applying payments in full to my promotional payments even though they had the older purchase dates and deadlines were coming due. They were only applying a small amount to the promotional purchase and breaking the rest up over more recent non promotional purchase. I called and the first few times, it was corrected no problem. I was told I would see the adjustment online within 48-72 hours. I'd check back usually 48 hours later and I would see the corrections. I was was also told I would have to call every month to have payments applied correctly. That is ridiculous. I have two deferred interest promotional payments coming due. One in XX/XX/XXXX ( purchase date XX/XX/XXXX ) and another in XX/XX/XXXX ( XX/XX/XXXX ). Then I have standard purchases made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They are basically setting up the two interest deferred purchases for two extremely high interest charges that should be deferred if payments applied correctly. Monday, I called went through the process to correct payment allocation. I was told I would see adjustment online within 48 hour and on paper statement within next couple billing cycles. Today, four days ( 96 hours ) later given run around when inquiring. I'm told I have to allow 48 hours for online and 2 billing cycles for paper statement correction. I point out I have waited 96 hours to see online. I'm not referring to paper. The customer rep is stuck on his script. After constantly repeating that I've waited 96 hours and expressing my frustration and willingness to contact FTC, FDIC, CFPB and my Senator to request Congressional investigation into their practices, it's escalated supposedly to a supervisor who reads from the same script. I repeated what I told the customer rep and now am waiting on a callback within 24 hours from their corporate team. I don't expect a callback. I went to the online complaint forms for FTC, FDIC and CFPB completed them. I also called my United States Senators and Congressional Representive and gave details to their staff and am currently waiting on callbacks from each of them. This type of financial abuse by banks and credit card companies needs to end. My payments are on time and 2 to 3 times the monthly minimum. As mentioned before this has been an ongoing problem for approximately a year. Usually, once I call they follow through and correct the allocation. This week Synchronys customer service representatives decided to not correct the problem, leaving me with a potential interest payment that should be deferred.
Consumer complaint received 2019-02-01
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. (CA)

I was part of the Equifax incident in 2017. I received a monitoring service called XXXX XXXX as a result. Over the last several months I received emails from Equifax offering to extend the monitoring service at no cost to me. However, every time I click on their link and enter my information, it just logs me in and doesn't offer a means to proceed. I believe this is an intentional tactic Equifax is using to offer a service and not actually following through with it. I've followed their link several times and done what it asked ( logging in ).  Now I just received a notice of cancellation of XXXX XXXX service. 

I've emailed their email address but receive no reply.
Consumer complaint received 2021-11-01
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: ERC (AL)

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 
My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when Ifollowed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. ERC has been fully paid even after they received payment and did not prove I owed the alleged debt, they continue to report this entry on my credit report making it appear as if I still owe this debt. This is further diminishing my creditworthiness. 

Why did they not provide a copy of the ledger to reflect any payments to them? 
Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Consumer complaint received 2019-02-03
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. (MI)

I settled a charge account with XXXX/XXXX  via a debt negotiator for {$2200.00} The account was charged off XXXX, XXXX, and settled shortly after. Therefore, there was no data to report after XXXX, XXXX. On XXXX, XXXX, my report shows an active account, then another charge off on XXXX, XXXX. My account then shows an active status from XX/XX/XXXX until XX/XX/XXXX with another charge off on XXXX, XXXX. 

My Experian report shows '' status updated on XX/XX/XXXX '' There is nothing to update. The issue was resolved in XXXX. I have a " potentially negative '' alert regarding this account, and this info is scheduled to remain on my credit report until XX/XX/XXXX when it should have been off no later than this year. 

I never re-opened this account, there is no way XXXX would have allowed me too, so there has been no activity on this account. Can you please help me with this? This account information does not show on my XXXX  report,
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I was alerted to fake accounts with Bank of America. I have atempted contact however no one would rrespond. I have been the victim of multple fake accounts. This has affected my XXXX career, access to funds, and personal Identity being stolen
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I obtained writing services from XXXX from XXXX XXXX which I was dissatisfied with their product as it did not meet several requirements. The products were not useable. I complained directly to the company who said they would refund me, but never did. I filed a complaint directly with Discover Card as that is what I used to make the payment for the writing services. Originally, it appeared as though Discover found in my favor against the company and I was not longer charged for the services. 

I started receiving harassing emails, text messages, and calls from XXXX demanding that I have Discover reverse the charges and they will refund me directly. If I did not, they threatened to contact my college and accuse me of plagiarism which was never committed. This occurred in XXXX of XXXX. I contacted Discover and explained to them the situation from the merchant and, I was scared, asked them if I was able to relaunch the complaint should they know reimburse me. I was told yes so Discover cancelled the dispute. A month went by and I received no refund from XXXX and the balance left on my credit card was exclusively and entirely from XXXX in the amount of roughly {$240.00}. I explained this to Discover. We were in constant communication regarding this balance. I could not pay for it and did not feel that I should have based off of the agreement. After getting nowhere with XXXX, I asked Discover to relaunch the dispute and the alleged that they would, but then they could not. 

On my credit report, it shows no payment from XX/XX/XXXX-XX/XX/XXXX. Discover closed my credit card that I had in excellent standing for many years, since XXXX. They closed it abruptly without consulting with me directly. They also had done this despite the fact that I had a case with the Attorney General against XXXX. As a result, my XXXXedit score dropped over 140 points. I want my credit card back opened as I ended up making an agreed payment in XXXX of XXXX after acknowledging that I was not sure how long the AGs investigation was going to go on. During the call with the representative from Discover to make the payment, it was not disclosed to me that my card was closed. Also, the amount was paid and my credit report should reflect that, but it reflects that I missed 27 % of my payments.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.