davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (CA)

Please reference CFPB complaint and company response here : XXXX. This new complaint is a follow-up because I'm still experiencing the same issues, despite my calling the company and speaking with their representative to perform routine account maintenance following resolution of the original CFPB complaint. 

After complaint XXXX resolution, I contacted Sofi and spoke w/ their representative to perform the following : address update, bank account update, auto-pay enrollment. The representative said that all were completed. I received a confirmation email from Sofi following the changes. I received an email confirming that my auto-pay would draft within 5 days on XX/XX/year>. The auto-pay has not drafted my account. When I logged into the Sofi payment portal, I found no auto-pays present. 

Sofi needs to fix their faulty software. This is unacceptable for a servicer. If they're unable to perform this routine maintenance on my account, then servicing of my account should be transferred to a servicer who can or they should be compelled via regulatory means to rectify their software so that it works as intended.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

The fake company representative has been calling me daily at XXXX. I responded and they had my address already from an attempt that they made before. The posed as southwest credit company and send me an email probable for phishing. However, the phone number that they called me from is not the company 's phone online. The number was XXXX. They mentioned that it was for collecting a toll in XXXX but I verified and I do not have any toll debts.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Pro Collect XXXX XXXX Abrams Rd., XXXX XXXX XXXX, TX XXXX Dear Pro Collect Re : Dispute of Debt and Revocation of Communication Rights I am writing to inform you that I dispute owning any and all debts to your company. I deny any liability for the alleged debt and request that you provide debt validation to support your claim. 

Furthermore, I revoke all rights of your communication with me through emails, text messages, or phone calls. I demand that you cease and desist all communication with me immediately. 

I request that you provide the following documentation : - A detailed accounting of the alleged debt, including the amount and origin of the debt - A copy of the original contract or agreement between me and the original creditor - A copy of the purchase agreement between your company and the original creditor - Proof of your company 's licensing and bonding I believe that your company has violated several laws, including : - 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide clear and conspicuous disclosure of the debt - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate and complete information about the debt - 12 CFR 1006.34 ( d ) : Failure to provide proper validation of the debt - 15 USC 1681-S ( 2 ) ( 7 ) ( a ) : Failure to comply with the Fair Credit Reporting Act 's requirements for debt collectors I demand that you provide the requested documentation and proof within 30 days. If I do not receive this information, I will assume that the debt is invalid and take further action to protect my rights. 

Please confirm in writing that you have received this letter and will comply with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (TX)

My mortgage was sold from XXXX XXXX to another company Freedom mortgage the fall of XXXX and there have been issues with payments being applied to my account since. 

The initial problem began with the payment not being sent to the new company. When the problem was brought to my attention in XXXX of XXXX. According to my records/bank statements. XXXX full mortgage payments of XXXX were drafted from my bank on XX/XX/XXXX ( confirmation # XXXX ) and XX/XX/XXXX ( confirmation # XXXX ) to bring my account current. My bank statements confirm that these payments were processed. 

On XX/XX/XXXX, I received another call from Freedom mortgage that my account had fallen behind due to an increase in my mortgage payment. At the time ( XX/XX/XXXX ), I was given transaction IDs from a Freedom mortgage agent for XX/XX/XXXX ( XXXX ) ; and XX/XX/XXXX ( XXXX ) for my initial on time payments for each of those months and was told an additional payment in the amount of {$65.00} for each month XX/XX/XXXX and XX/XX/XXXX was due to balance my account. Confirmation of payments through my bank ( XXXX XXXX XXXXXXXX ) and ( XXXX # XXXX ) I then received that same day ( XX/XX/XXXX, a confirmation number # XXXX confirming the payment drafted from my bank in for amount of {$130.00}, which was the total for both the XXXX and XX/XX/XXXX additional payments. 

Though I continued to make on-time payments through the bill pay system through my bank to Freedom Mortgage. During the winter of XXXX, I received a call from Freedom Mortgage regarding the issue that had already been resolved on XX/XX/XXXX. At the time, I asked for a payment statement and did not receive it for several more months. 
I received a call on XX/XX/XXXX that my account was behind due to missed and late payments. However, my bank statements do not reflect any late or missing payments since the XXXX XX/XX/XXXX adjusted payments. 

I submitted the following information to my Freedom Mortgage account on XX/XX/XXXX and the issue was never resolved. At the time, upon reviewing my bank statements for the past XXXX months, I counted XXXX full payments/transactions to Freedom Mortgage which include XXXX full payments in the month of XXXX of XXXX ( to account for the missing payment due to mortgage companies switching. ) However, to date I continue to receive communication Freedom Mortgage that my account is past due. And late fees and penalties continue to be applied to my account. Being that my bank statements provide proof of these payments made each month, I have made attempts to resolve the matter but my attempts have been unsuccessful.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

Subject : Formal Complaint Against Nelnet Dear Sir/Madam, I am writing to formally lodge a complaint against Nelnet regarding their handling of my personal information and related disputes. On XX/XX/year>, I sent a letter to Nelnet disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, Nelnet has failed to respond to my letter. 

Nelnet 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that Nelnet is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with Nelnet. 

Despite my attempts to resolve these issues directly with Nelnet, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that Nelnet corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with Nelnet and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (IL)

I am REWRITING to complaint to CIC CREDIT about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (FL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) The documents needed are a picture ID, A bill, And a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5- - 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, Pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification, as well as the information requested from the list of acceptable items which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-23
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. (HI)

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc. (WA)

In XXXX I was in a very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the hospital and then a XXXX XXXX from XXXX until XXXX. I was assigned a state employed home health care worker in XXXX who abused their position to gain access to my Financials. The police discovered that this person while i was in a XXXX XXXX XXXX had used my finger to unlock my phone and ad their own biometrics to the device which they then stole. They were finally arrested in XXXX and the police recovered my phone, debit cards and other personal items that had been stolen in the process. Due to my limited vision i wasn't able to fully scope the entire situation until after the arrest. At that point I canceled cards and changed pins but they were logged into my XXXX  from another device and even after their arrest when I updated my info they proceeded to make XXXX more transfers. They were then rearrested and I had someone from the financial crime devision sit with me and go through everything and make sure we took away their access once and for all. The police provided Providers with detailed information regarding how the charge suspect got access, maintained access and that my personal phone wasn't returned to me until late XXXX. Further more the account that was withdrawing my funds is not registered in my name nor had my device ever been associated with it. I had to file XXXX different disputes. The two with substantial charges were immediately denied but only the one with XXXX dollars agreed that the police communication was sufficient to proceed with my dispute. I again appealed using the acceptance of one and was again denied but this time that person decided to deny all XXXX. Today is the XXXX business day since I filed the disputes.
Consumer complaint received 2024-07-23
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. (GA)

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-23
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: LCI Acquisition Inc. (OH)

I am writing to formally request your assistance in resolving an ongoing issue with LCIXXXX XXXX XXXX regarding the removal of inaccurate bankruptcy information from my credit report. Despite my repeated attempts to address this matter directly with LCI/XXXX XXXX XXXX over the past several months, they have failed to take appropriate action. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Date of Birth : XX/XX/XXXX  The specific bankruptcy listing in question is associated with the file number XXXX. I have received a letter from the bankruptcy court confirming that they do not report bankruptcy data to credit bureaus. A copy of this letter has been provided to LCIXXXX XXXX XXXX  for their reference and verification. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), LCI/XXXX XXXX XXXX is required to investigate and remove any information that can not be verified. Given that the bankruptcy court does not report this information and there appears to be no verifiable source for the bankruptcy listing on my consumer report, I am requesting that LCI/XXXX XXXX XXXX promptly remove this bankruptcy listing from my consumer file. 

Furthermore, per 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate bankruptcy listing is a clear violation of this provision. 

Additionally, 15 U.S.C. 1681 addresses the permissible purposes for obtaining a consumer report. I question who granted the credit reporting agencies permission to include this inaccurate information on my consumer report. 

Despite providing proper identification and the letter from the bankruptcy court, my requests have gone unanswered. The presence of this inaccurate bankruptcy information on my credit report is causing significant harm to my creditworthiness and financial well-being. 

I kindly ask the CFPB to intervene in this matter and ensure that LCI/XXXX XXXX XXXX complies with their obligations under the FCRA. I request that they promptly remove the inaccurate bankruptcy listing and notify me in writing of the results of their investigation and the actions taken to correct this error. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Last week I tried to deposit a check from winning a sweepstakes from XXXX. Rather than simply hold the check, Pentagon federal chose to lock my account for almost 48 hours. After speaking with multiple people, I kept receiving different requirements to unlock the account. After two days, and several complaints, I explained that I have XXXX children and needed to access my funds. The account was unlocked and the check continue to be held. I continue to send multiple documents to prove the validity of the check that I want from XXXX. Even after submitting this documentation my account still had a lock that Would not allow me to remove the funds. My intention was to close the account after all of these inconveniences. Because I requested to cancel my account once the check cleared, they continued to keep My Access from me. Instead of unlocking the account after providing the documentation, my account funds were not permitted to be removed until I called yet again to complain. Now I find that I am receiving Account fees for transactions that should have the funds available. At this point, I have had enough with this bank and feel as though I am being targeted. I maybe called 20 times to resolve the issues. Now, I have to find a new bank.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (CO)

I was informed in XXXX that my annual fee was going from XXXX to XXXX. That I had the option to call and disagree with this tactic on this, at the time excellent payment history card. The person, would not opt me out of the annual fee and refused to cancel the card, that was in XXXX, since then, I have responded to the calls, and asked them to cancel the card, stop interest and please offer me a settlement plan so we can end this predatory relationship, and again, in XXXX, the calls started, to be excessive, I answered all calls, and they would harass me to verify who I am, by giving up personal data and information, they already have, I mean they called me. 

The calls were constant, and then on XX/XX/XXXX. I again, pleaded that they would end this relationship, bill me a payment plan, cancel card and stop interest and to stop calling, seize and desist. They then called more, many times in a day, spoofing numbers, not speaking when I said " Hello '' hanging up on me and violating the law of calling after asking to stop. 

The stress and hardship, from already being declared XXXX and not being able to afford the increase by XXXX a month, I was not late not once, before they refused to cancel card due to a forced increase of XXXX a year. When I tried everything to work with them, it only got worse, and they then abused the phone lines and broke laws that are in place to prevent harassment, intentional harm after offering a workable situation, this company is fraudulent and predatory. 

I have had over XXXX calls, Since XX/XX/year> with many different numbers, after asking them to please stop calling to stop and desist. Harassment starting at XXXX ; XXXX am, actually XXXX minutes before allotted time, so there is another violation, when you call back they say that they use a auxiallary number, actually its fraudulent.
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CA)

On or about XXXX, XXXX, I phoned in to XXXX Mohela to request a Natural Disaster Forbearance for the California Severe Storms, which impacted heavily my residence and employment as noted in my call to XXXX Mohela in said date ( s ). During this interaction ( s ), I was advised that once approved which ultimately said Forbearance was approved through XX/XX/year> should I require an extension past the initial 60-day allotment, I would be provided a 30 day extension for a total of ninety ( 90 ) days for this Natural Disaster Forbearance. 

You will note my severe and profound distress when today, XX/XX/year>, when phoning into XXXX Mohela again for this extension ; I was advised that they would not be able to process this promised extension for 30 days and was also refused the opportunity to speak with senior manager to ensure that this extension was placed on my account. To date, I have had severe, unrelenting issues with Mohela in the management of my held loan, meriting urgent response and resolution at the present level prior to engaging California Attorney Generals Public Inquiry Unit and local media Consumer Investigative reporters with XXXX to aid in this egregious matters full resolution. It is appalling that each and every time I have an issue with my Mohela loan, I am placed through severe and unrelenting distress meriting immediate resolution at this moment, prior to commencing any and all aforementioned actions. 

Thank you kindly in advance for your urgent and immediate escalation to XXXX / Mohela senior management and I look forward to urgent telephonic contact from the appropriate party to confirm the 30 day extension on this Natural Disaster forbearance through XX/XX/year>.
Consumer complaint received 2024-07-22
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. (AL)

unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-22
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)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$21000.00} XXXX update to never late XXXX Credit {$250.00} XXXXRemove Capital XXXX {$3100.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXX XXXX {$1200.00} XXXX Remove XXXX XXXX {$420.00} XXXX Remove XXXX  $ XXXX Remove XXXX XXXX  {$0.00} XX/XX/year> XXXX Bankruptcy {$0.00} XXXX Remove