davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

In XXXXXXXX XXXX XXXX, my mortgage was sold from XXXX XXXX to SPS. The first installment of my taxes were due at the end of XXXX. I pay my taxes through my mortgage. As with every other company who has had my mortgage, I assumed SPS would pay the taxes. They did not. I received a letter from the XXXXXXXX XXXX XXXX ( XXXX ) indicating that if my taxes were not paid by XXXX, my house would be advertised for sale. I called SPS immediately and spoke with a representative named XXXX. He gave me an email address to a company called XXXX XXXX. He told me XXXX XXXX issues the checks on behalf of SPS and that it would take XXXX business days. I sent the letter and nothing has gone right since. It took many phone calls and my original complaint to finally get the check sent earlier this month. However, I got a letter ( as well as speaking to a supervisor ) who told me that my mortgage payment was going up {$160.00} a month to a special " cushion '' account that would not be part of my escrow and I would not be able to see this money and this payment is for a discretionary amount of time. For as long as SPS wants me to pay. My taxes have not gone up nor has anything changed with my interest rate. I appears that SPS is trying to get me to pay, a second time, for the taxes that they did not pay timely. I have proof of that they were in receipt of the funds in XXXX. I will attach that to this complaint. 
In summary, this new complaint is about the increase in my mortgage payment. I have not been supplied with a factual reason for this increase other than SPS 's claims of a shortage ( that didn't exist with XXXX XXXX ) Thank you for you attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have had my credit frozen for years. I unlock if I need to apply for credit. I was able to check XXXX just fine and my report is still frozen. I have tried managing and viewing my freeze with both Transunion and XXXX and once I'm in my account, it says to call. I can not run a report to see if someone applied for credit in my name or if either company accidently unfroze my reports. I have called and am unable to get through.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (KS)

I opened a U.S. Bank business checking account in XX/XX/year> with a promo code that would credit a {$750.00} bonus after depositing ( within 30 days of opening account ) {$25000.00} and maintaining that balance for at least 60 days. 

I have not been credited with my bonus according to the terms and conditions. The bonsu should have been credited at the end of XXXX.
Consumer complaint received 2023-05-26
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. (MO)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-09-20
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AL)

I am REWRITING to LVNV FUNDING LLC to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section XXXX, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC. (FL)

I deposited a mobile check that had been signed over to me by the payee with whom I have XXXX of Attorney. The check cleared and funds were made available and then immediately my account was frozen. This was at the beginning of XX/XX/XXXX. I reached out to Sofi to verify my identity along with verifying the payees identity. We verified both. They spoke to the payee along with myself multiple times. I was provided zero answers as to why this happened, any sort of time frame etc. I have filed a complaint with the OCC to which XXXX responded that they would be closing the account & returning the funds to the original lender. Which i agreed to. That was in XX/XX/XXXX. My most recent phone call with SoFi i was told the same thing as I had been told before the complaint. hat the department that handles this can not be reached and basically I am XXXX until they decide to release my money to my connected outside bank account. XX/XX/XXXX will be 12 months that they have held my money hostage. I want my {$910.00} that they have essentially stolen, and the account closed as they said it was to be. This is absolutely inferiorating.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

when I was XXXX my information was exposed and I had a lot of accounts opened. I havent use my credit for the last 3 years. I will summit all accounts here to see if by moving forward legally I can get this resolved.
Consumer complaint received 2024-09-23
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: Resurgent Capital Services L.P. (MD)

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the XXXX XXXXXXXX XXXX XXXX XXXX 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in may of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to XXXX and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX, Status Collection account. {$2900.00} past due as of XX/XX/scrub> XXXX XXXX XXXX XXXX Status Collection account. {$400.00} past due as of XX/XX/year>. 

JEFFERSON CAPITAL SYST Status Collection account. {$1300.00} past due as of XX/XX/year> All of these accounts are the result of Identity Theft, I have contacted each company to inform them that these accounts are not mine and are reporting on my consumer credit report on all three credit bureaus.
Consumer complaint received 2023-05-26
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

Chrysler Capital is reporting an account as a write off. The account is not in collections and the payment is current. 
I have contact XXXX and have spoken with a representative requesting all payment history, request a 1099 or any data showing a write off. Was told the account is not write off. And they will send the statements. They can not do anything about how or what the credit bureau is reporting.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC (IL)

The list of accounts first premier bank account number XXXX has violated my federally. protected consumer and confidentiality under 15 USC 1681.VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

Earlier this month after finding out our Lowes Home Improvement credit card had expired due to non use we went to the local Lowes to reapply only to find our that in store you can only apply if you have a smart phone. We do not we are XXXX  and do not have the finances to afford one and have opted out of having that just a land line, XXXX XXXX XXXX. The store personnel were amused at that and we were made to feel that at that point were were being discriminated against just due to our choice and being XXXX. We do have a computer at home and applied on line only to be denied because our credit reports were locked. I unlocked them and reapplied only to be denied because Synchrony Bank, the card supplier to Lowes, said they " were unsure of my identity '' My wife and I believe that Synchrony Bank denied us because we do not have a smart phone, XXXX  with excellent credit and that we elected for them not to sell our information to another lender so we could get a card. On their application they say if they can not get you a card they would " give '', we believe sell, our information to another lender so we could get the credit card. We opted out of that thus no credit for us. For those actions listed above we feel that we, and sure many others like us, are being denied fair credit. We have excellent credit and are debit free, guess they did not like that either, always pay our current credit card off each month. Their + % XXXX fee for late payment would not apply to us, bet they did not like that either. Lowes Home Improvment has my identity as a veteran yet denies involvement with this bank and any responsibility with credit even though their name is allover the card. What a racket of denial. Please look into this discriminatory Bank & relationships with each.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my six request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC. (CA)

On Friday, XX/XX/scrub>XXXX XXXX  I logged into my SoFi account where I have a personal loan at a rate of 9.18 %. Interested in consolidating some other credit card debt, I applied for a new personal loan. SoFi 's online portal originally gave me an offer of an {$81000.00} loan at an 18 % interest rate and a 5 year term, with a screen that reflected " {$81000.00} will be deposited into your bank account ''. 

The loan went to underwriting and later the same day around XXXX I received a call from someone at SoFi who said they were reviewing my loan application and they had an offer for me. The new terms were {$81000.00} at 17 % interest rate but a 4 year term vs the 5 year term originally applied for. I verbally agreed to the shorter term at the lower rate and the agent said that they were going to send me docs to sign. 

What was not disclosed to me was that part of those new terms were refinancing my prior loan at SoFi which has a roughly {$50000.00} balance into the new transaction. I received the digital signature page while driving and signed it based on my conversation with the agent. 

This morning I logged in to check on the status and noticed now on the a full computer screen vs my phone that they had refinanced the previous 9 % loan into the new 17 % loan. I would never have agreed to take the loan had I been clear on those terms. I contacted SoFi and asked them to cancel the loan as they had not funded it yet. They refused and pointed to the TILA disclosure which I had signed on Friday evening which in a box below the signature loan shows that they were rolling the old loan into the new one. Roughly 3-4 business hours had elapsed since my signing of the document. 

Ultimately I suppose I should have read further down the TILA document but at the same time I can't help but feel like the SoFi agent was intentionally deceptive in not fully describing the change. They still refuse to cancel the new loan even though it hasn't funded yet. My intent of refinancing some credit card debt into a term loan at a lower rate has now backfired completely. SoFi took my 9 % interest rate loan and turned it into a 17 % interest rate loan. This is a huge interest hit and financial nightmare. I'm trying to get out of debt and this has effectively made the problem worse. Its predatory practice to refinance lower rate debt to much higher rate debt and conceal those terms.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (OR)

The following information is from my Experience report which was emailed to me : XX/XX/year> - Your XXXX XXXX  account balance increased to {$3100.00} [ {$2500.00} of which represents unauthorized purchases from someone who lives at XXXX XXXX XXXX, and who's address shows on my alert as XXXX ] * XXXX is currently working through this fraud alert XX/XX/year> - Your FICO Score has decreased by XXXX points XX/XX/year> - XXXX XXXX got a copy of your Experian Credit Report XX/XX/year> - XXXX  XXXX got a copy of your Experian Credit Report
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (IL)

I went to the Main Financial ( XXXX XXXX, IL XXXX ) about a personal loan. So, I had got a secured loan for {$8000.00} off of my SUV. So, I thought I was getting the secured loan for the value of my SUV. I signed the loan agreement electronically at their office on XX/XX/XXXX. I also still had a balance of {$10000.00} from my original lender XXXX XXXX XXXX. What I didn't realize that One Main Financial Manager and loan officer had paid off my {$10000.00} loan to XXXX XXXX XXXX without my permission on the same day I went there to cancel the loan. 
They made themselves the current lien holder of my SUV. Now I have a total of {$18000.00} as my new loan agreement with One Main for 4 years at 19.9 % interest and a monthly auto payment of {$560.00}. 
I went to the XXXX XXXX XXXX on XX/XX/XXXX to CANCEL THE LOAN AGREEMENT. One main has a 7-day cancellation policy once you return the money to them in their office. I gave them the {$8000.00} back to them in a cashier 's check. But the problem is that they paid XXXX XXXX XXXX that same day and before the cancellation period. I was there in the XXXX XXXX office my title to my SUV came in. They said that they would have NO PROBLEM in cancelling the loan agreement. 

But now that they have the title in the office now and they said that there was nothing that they could do. I said, what happened to the 7-day cancellation policy. 
I called talking with the Corporate Care Rep One Main financial on XX/XX/XXXX. I told her that I was doing a cancellation of my secured loan agreement. She said that she would have to talk to her department heads. After a couple of days went by she called me to tell me that they gave me a extension until XX/XX/XXXX to get this resolved I told her that gave back the loan money to the XXXX XXXX branch. On XX/XX/XXXX myself, The main financial corporate customer care rep and the U.S. Title Department ( XXXX XXXX XXXX XXXX ) We did a three-way call, XXXX  XXXX rep told main rep exactly what paperwork 's she needed to send the payoff refund return payoff back to one main financial. They could have asked for their payoff refund that same day XX/XX/XXXX but didn't. 

XXXX XXXX corporate rep said that she would have to get this authorized by the department heads. I feel she wasn't being honest with me. On XX/XX/XXXX she called me to say that they wouldn't help me and that XXXX XXXX has to send them back their payoff money of {$10000.00} first. And that the deadline to help me was still by XX/XX/XXXX. I went to the office to cancel the loan agreement. prior their 7-day cancellation policy. They wired the payoff money to XXXX  XXXX the same day ( XX/XX/XXXX ) And because I cancelled the loan agreement ahead that day. One main financial branch manager nor corporate customer care rep were honest in helping me with their limited time to get this resolved. 

THEY DID NOT HONOR THEIR 7 DAY CANCELLATION POLICY.
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX XXXX : XX/XX/2018 Amount : {$1800.00}