davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Social Finance, Inc. (MI)

Dear Sir, SOFI LENDING CORP did not address and properly answer CFPB complaints on fraudulent inquiries ( disputed fraudulent inquiries of SOFI LENDING CORP ( SOFI LENDING CORP ,XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, Inquired on XX/XX/2017, XX/XX/2017 and XX/XX/2017 ). I have asked 'SOFI LENDING CORP ' only send the letter over USPS with full name, complete address, all CFPB numbers so that I could submit those letters to State of Michigan and Honorable Courts. But, " SOFI LENDING CORP '' did not do and sent fraudulent letters without direct signatures, incorrect last names, not mentioning complete name, not mentioned all the CFPB numbers in the responses and various incorrect information. I am attaching all the letters with incorrect information, unlawful and fraudulent signatures. 
Could CFPB kindly store this complaint, unlawful acknowledgements and attached documents in Fraud, Identity Theft, crime and law enforcement records.

Sofi kept on harassing me with fraudulent inquiries in my credit report, not sending the CFPB response with right details over the USPS. 
I am going to submit all these documents in the identity theft complaint and I never ever had any kind of business with CFPB at any point of time for last 12 years and I do not have any plan to have any kind of business with SOFI LENDING CORP for infinite period of time. If there is any, its fraud and identity theft. Please store all these responses and documents in the archive and law enforcement records. Its harassment and disgusting that sofi creating troubles to me one or another with incorrect details, unlawful signatures.
Consumer complaint received 2019-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NY)

I had a total of five loans with Wells Fargo. These loans were originally disbursed between XX/XX/XXXX-XX/XX/XXXX with another lender and then transferred over to WF in XX/XX/XXXX. I did not personally make the transfer ; it was a matter of banks selling loans to each other. 

In XX/XX/XXXX, I received a letter stating that WF had charged me higher interest on my loans than what should have been, and attached was a check for {$16000.00}. 

In the short letter, there was no other description of the error, such as how exactly they had calculated the refund amount. 

I called the number on the letter for clarification. I wanted a detailed explanation on which loans, for how long, and what exactly was the overcharge on the interest percentage. 

I was handed over several times to different departments because no one really knew the answer to my question. About a week later, a XXXX XXXX at XXXX ext. XXXX returned my call and told me the interest rate overcharge was .25 %. I wanted to know which loans, and for how long and he did not have that information for me. He transferred me over to XXXX who could further assist me. This next lady also did not have any of the numbers I was looking for but promised to reach out to me in writing with a resolution. That was XX/XX/XXXX. 

By today, XX/XX/XXXX, I had not received any communication from WF other than a letter telling me cash the check quickly or else the check will become null and void and I will have to retrieve it through the Treasury. 

I called the XXXX number again and spoke with another lady who looked into the matter for me. She came up with the following information : Loan 1 - disbursed and overcharged since XX/XX/XXXX. Difference in interest I was charged and what I should have been charged : XXXX Loan 2 -  disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX Loan 3 - disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX These three make up the {$16000.00}. I asked her if it included any interest since I was overpaying for a period of about 15 years due to errors on the part of WF. She said no, that the loans had been transferred to WF with the interest already being overcharged and they did not know it when it was happening.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me  and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

XX/XX/2020, I was selling an item on the app XXXX XXXX  which a potential buyer wanted to purchase the item for {$350.00} and have it shipped overnight via XXXX. The buyer wanted to send me the funds through Cashapp. In order to obtain the funds I was told by support at Cashapp that I had to extend my " business credit limit '' in which I was to send {$300.00} to a " customer service Tag. '' After sending that money, I was later being told that there was a problem with the buyers account in which they ( cashapp support ) requested I can send a refund payment of an additional {$500.00} via Cashapp after which they shall then credit my account with the total payments of {$1100.00}. Also telling me that I can send the refund via cashapp or a Visa Gift Card from any outlet and sending details of a scanned receipt for verification so they can credit my account of the pending {$1100.00}. At that moment I knew I was trying to be scammed of more money, which I didn't have in the first place. I had tried to reach out to Cashapp by calling their phone number posted on the internet, and also had sent a message to their XXXX page and got no answer or results back from them. I tried to request a refund from the customer service Tag, but the person has denied my request.
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, Georgia. The car sold for approximately 18,000 and with tag, title, and warranty approximately 21,000. 

The first issue is I didnt realize I did not my need a warranty. XXXX comes with a 60,000 bumper to bumper and 100,000 powertrain. The car had XXXX miles on it when I bought it. 
In the 6 years I have had the car I had to skip payments maybe 4- 6  months total. Santander worked with me during those month. However, I made payments of over my payment amount to compensate. I am a XXXX XXXX XXXX XXXX and XXXX  who XXXX and XXXX XXXX   through the year. However, in the summer months I do not make much money. That is why I pay extra throughout the year. 
My car payments are {$550.00} and I have paid as much as {$1000.00} toward my payments and they are still saying I owe {$9000.00} after my 6 years. This year I will have owned my car for 7 years and my car will still not be paid off. 

They take so much money for fees and charges and do not explain what the fees or charges are. I was told I started payments later than what I supposed to initially. I paid when they told me to pay. I feel like I was taken advantage of by the dealer and the loan company. 

I have never had a 30 day mark on my credit. My credit is not excellent but it is not terrible. I helped my husband finance a car in XX/XX/XXXX. The second car I financed 2 years later will be paid off before my XXXX XXXX with Santander. 
This loan has been a nightmare and there is no way I would have ever financed through them if I knew this was going to take 10 years and {$75000.00} for an {$18000.00} car.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I was approached by someone who said that they could perform a cash flip on the cash app. After multiple failed attempts and inconveniences, I was down a few thousand dollars because I never saw the return that was promised to me. I was approached on XX/XX/XXXX with the person asking me to send XXXX in order to get started. The amounts began to get bigger and bigger as I thought I would see my return. I will provide the amounts in the attached documents. Each time I was about to get paid there was another problem in the way. I can give more information about anything once my complaint gets a reply. The screenshots I provided are the exchanged between the scammer and I. I trusted that they would make good with my money but they just continued to take from me.
Consumer complaint received 2018-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/XXXX, I lost my job and requested a forbearance which Wells Fargo denied. I in turn paid the past due payment of 3 months in XX/XX/XXXX. I then received a forbearance from Wells Fargo to supposedly assist me in XX/XX/XXXX. The agreement was that I would start my payments in XX/XX/XXXX and the difference of the forbearance would be due at the end of the agreement in XX/XX/XXXX. I was instructed to call them if I became employed which I did. The following day without any notice or contact Wells Fargo removed my forebearance agreement and put me in foreclosure. However they continued to accept my payments and never advised me there were any concerns. I was not aware until XX/XX/XXXX when they stopped accepting my payments and left a notice on my door. I didn't find out until later that Wells Fargo stated I defaulted using the payments they agreed I didn't have to pay in the forebearance until the following year XX/XX/XXXX. They would not let me pay the account and forced me into foreclosure. They lied and said they served me while I was at work. I've been trying to rectify this with Wells Fargo for years but they have refused to remove the negative information. They claim the forbearance was cancelled once I had employment but that's not in the agreement information nor did they advise me of this or contact me. They put me in foreclosure one day after I contacted them telling them I was employed. They have since made me pay them an additional {$10000.00} to pay off the mortgage after they forced me into foreclosure. They intentionally wouldn't accept my payments starting in XXXX and didn't file foreclosure paperwork until XX/XX/XXXX to make it look like I wasn't paying.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCC Business Services, Inc. (FL)

I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question NCC BUSINESS SERVICES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (DE)

My son deceased on XX/XX/2020 upon cleaning his apartment I found two cash app cards one for business the other for personal. I called the XXXX XXXX who stated they were cash app cards and that cash app had no contact number so I had to contact them through cash app. Which I did when I was returned an email that had no information regarding my question then I sent another email and was contacted by XXXX who sent instructions on how to proceed. So I did and no response so I email back and was told my case was closed. So I contact again through cash app and still no response.
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

We have decided to sell our home and we had previously modified our loan. On our payoff there is {$57000.00} in lender paid expenses. Our current lender it collecting interest for the difference in our modification that was no where in the agreement we signed. We have moved due to work and have to get this sold and I've asked twice for the original modification and they can not provide it.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want XXXX XXXX XXXX investegated they are the servicer on our mortgage. 

Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. 

We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. 

We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. 

Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX. 

We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. 

We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. 

We want to hold these corporations accountable for the problems they have caused to our family. 

We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.
Consumer complaint received 2019-01-18
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: Experian Information Solutions Inc. (CA)

I was trying to get a cellphone service from XXXX Store thru XXXX near my area but the representative told me my application was cancelled after he did the whole process on his computer and put all my personal information. So, he called the XXXX main office and I was told to call the Credit Bureau and I was surprised when I saw my credit report, most of the information that was in there are all false and I'm not aware of it.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 records of 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-31
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. (WI)

Transunion is making money off of peoples information. 

I did not file Bankruptcy in XX/XX/2013 someone else did with a similar name but the Bankruptcy is showing on my repor.t
Consumer complaint received 2018-10-31
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: Fidelity National Information Services, Inc. (FNIS) (AR)

CHEXSYSTEM, XXXX, XXXX, XXXX XXXX ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.
Consumer complaint received 2019-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County (IL)

Early XX/XX/XXXX i was taken to an emergency room in colorado via ambulance. 

At the time i was uninsured but was told i could be retroactively covered via colorados healthcare/XXXX. 

I applied and was accepted to the program within the time frame. It later went to collections and i was served with a summons to XXXX County Court in XXXX, Colorado by the collectors in XX/XX/XXXX. I filed a response and a motion for trial was set for XX/XX/XXXX. During that period i provided the plaintiff ( the collection agency and their representatives ) with a load letter officially stating i was covered for the costs incurred in XX/XX/XXXX. 

A motion for continuance was requested as they billed medicaid. On XX/XX/XXXX the case was dropped as the situation was resolved. 

In XX/XX/XXXX i checked my credit report via XXXX and noticed i had a collections appearing. This was part of the collection that was solved and should not have appeared. 

On XX/XX/XXXX at XXXX MST i submitted a dispute with the credit agency XXXX  including the letter saying my medicaid covered it, the official case dismissed paper signed by a judge, and the original summons complaint. 

On XX/XX/XXXX i was told the dispute was unsuccesful. 

" The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Because the collection agency still said i owed. I did not. 

Today, 1 year later from the end of the litigation the account still sits on my experian report. I called the agency and then they said " oh yeah it should be closed '' todays date is XX/XX/XXXX. 

I have been hurt severely due to this unjust appearance on my report. Seeing this false report lenders are rightfully skeptical of lending to me, and even if they do it is at astronomically high rates.
Consumer complaint received 2019-01-18
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: Experian Information Solutions Inc. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX