davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

XXXX, XXXX and XXXX are furnishings and continue to furnish inaccuracies on my credit report after repeated disputes. The agencies would say that inaccuracies are verified. How did they do this verification process? For example GM Financial has account charged off which is written off so it is considered income which should not be reporting on my credit report and have not received copy B of 1099 for tax purposes. Late payments are also experience I have with the company and should not be reporting, no such thing as late payment. XXXX XXXX XXXX XXXX has a few accounts on my credit report with inaccuraciesas well. Charge off account written off which is considered income and should not be reporting on my credit report. I have not received any copy B 's of 1099s for tax purposes. XXXX XXXX reporting late payments as well which are the experiences and transactions between me and the company, so there should be no late payments. There is a collection account on my report from a third part in which I do not have a contract with. How is this company furnishing my information without my consent and they have to right to do so.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes
Consumer complaint received 2024-09-18
Product: Credit 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: SOFI TECHNOLOGIES, INC. (TX)

Denied Claim for Unauthorized Credit Card Transactions and Failure to Resolve Issue Despite Police Report and Multiple Communications Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Phone Number : XXXX Email : XXXX Account Number : XXXX Type of Account : Credit Card Claim Number : XXXX Date of Incident : XX/XX/year> and XX/XX/year> I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding SoFis refusal to resolve a claim for unauthorized credit card transactions on my account**, despite my multiple efforts to dispute the charges through SoFi and the filing of a police report. 


On XX/XX/year> discovered several unauthorized transactions on my SoFi credit card account totaling {$800.00}. I immediately reported these fraudulent charges to SoFis customer service and followed up by filing a police report. I have attached a copy of the police report for your reference. 

Despite my prompt reporting of the fraudulent activity, SoFi has failed to issue a credit for the stolen funds. Furthermore, I contacted their Merchant Management Team to resolve the issue directly but received no proper communication or resolution. 


As per the Fair Credit Billing Act ( FCBA ), consumers are not liable for unauthorized charges on their accounts, and credit card issuers are required to investigate and resolve such disputes within a reasonable time. SoFi has not complied with this regulation, as my claim has been denied despite the clear evidence that the transactions were unauthorized and a police report was filed. 

After disputing the unauthorized transactions with SoFi through formal written notice and direct communication with their Merchant Management Team, SoFi denied my claim without providing a valid reason. I have received no proper follow-up or explanation for their decision, and I remain without the stolen funds. SoFis lack of communication and failure to resolve this matter have caused me undue financial stress. 

Date of Unauthorized Transactions : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Amount of Unauthorized Transactions : {$62.00} {$110.00} {$110.00} {$230.00} {$44.00} {$240.00} I reported the fraud to SoFis customer service on XX/XX/year>, filed a formal police report on XX/XX/year> and sent a written dispute under the FCBA on XX/XX/year>. Despite these efforts, my claim was unjustly denied, and no resolution has been provided. 

SoFis refusal to properly credit my account for the unauthorized charges has left me in financial distress, as I am still responsible for the fraudulent charges that I did not authorize. This situation is especially frustrating given the legal protections afforded to consumers under the FCBA.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Mr. Cooper contacted me in XX/XX/XXXX and said that because I live in Florida and our area was declared a disaster area they are offering a Forebearance program whereas they would allow you to skip from one to six payments at no penalty. The payments would extend the length of your mortgage by the amount of months you chose. I chose six months. When I went online to resume my payments in XX/XX/XXXX I was horrified to see that it clamed I owed fourteen thousand plus dollars and was ineligible to make payments.I never heard one thing from Mr. Cooper about being behind on payments between XX/XX/XXXX and XX/XX/XXXX when I finally contacted someone. For nearly a month I called and left messages and finally got a call back in XX/XX/XXXX. The rep said I did not qualify for that program and I had to pay the full amount or go through the refince process. She said there was never a forebearance program, they were told to read from a script and the goal was to get you refinanced at a higher interest rate. They ruined my credit by reporting non payments and I now have to pay over three thousand a month to get caught up. She claimed to have no answer as to why no one called me to tell me I did not qualify for this non existant program after they signed me up for it, or why they never called when my first payment became delinquent.They will not get rid of any late fees and will not contact the credit reporting agencies companies. They conned me during a time of a disaster and scammed me.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent multiple letters of Method of Verification /validation. On XXXX XXXX, XX/XX/year>, XX/XX/year>, and XXXX XXXX for the accounts XXXX XXXX XXXX XXXX Company had yet to send me the information I have requested per consumer Laws I have the right to receive the notification of the process it took to validate these debts. Please disclose the responses for the below questions. 

1.Who was interviewed that verified this debt, 2.How did you come to this determination?

This is a violation of the fair credit reporting act and willful non compliance by neglecting the fact that I am requesting the Verification and validation methods
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I tried use my XXXX credit cards in XXXX, where now I live, and Capital One Bank all the times asks to verify my identity, but according to the Bank, it is done only thru sending a code by US based phone number. 
I told them what I don't own anymore an US phone number, because I disconnected it when I came to live XXXX. 
I sent them twice copy of my XXXX  driver licence, I offer send copy of passsport, and still is no enough proof of my identity for Capital One Bank. 
I asked then, sending me the code thru my email address, and still they decline do that. 
Without that verify I am unable to use those XXXX credit cards, being my credit in good standing, always paying on time.
Consumer complaint received 2018-04-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NATIONSTAR MORTGAGE LLC (FL)

We have information to reflect that the mortgage debt was paid in full. XXXX XXXX  XXXX has reported to the credit bureau that the debt was paid in full and there is a XXXX balance. The loan you are attempting to collect on does not exist and was removed from Mortgage Electronic Registration Systems , Inc. on XX/XX/XXXX and has been INACTIVE since that date. According to the MERS integrated system handbook " The process of making a loan inactive on the MERS System including in conjunction with the Resignation or Termination of Membership. A loan is deactivated if the debt no longer exists, or the loan is assigned out of MERS. The following deactivation transactions are available : Paid in Full ( includes payoff, deed in lieu, short sale, etc. ) Transfer to non-MERS Status Involuntary transfer/default by Servicer Involuntary transfer/default by Subservicer Foreclosure Complete Deactivate-Assigned from MERS for Default or Bankruptcy. According to Mortgage Electronic Systems, Inc records, XXXX XXXX, XXXX is an ACTIVE member of MERS. Therefore, according to the Mers integrated system handbook, the new servicer should have changed the min number to reflect the new information and the loan should not have been transferred off the system unless the loan was paid in full. 
The MERS automated system indicates that this mortgage was transferred off of the MERS system on XX/XX/XXXX and rendered INACTIVE. Although the mortgage was transferred off the system and closed to show INACTIVE at this date of XX/XX/XXXX, the assignment of mortgage remained in Mortgage Electronic Registration Systems, Inc name. The assignment of mortgage remained in Mortgage Electronic Registration Systems , Inc name until XX/XX/XXXX, when Nationstar Mortgage executed an assignment to itself from Mortgage Electronic Registration Systems , Inc. This is 3 years AFTER the loan was INACTIVE.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-04
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: Self Financial Inc. (GA)

I have been disputing the account with XXXX XXXX XXXX XXXX XXXX for over a year and a half now. I have repeatedly asked them to validate this debt and they have refused to move. I have also disputed this account with all 3 credit bureaus and only XXXX has taken action to remove this debt from my account after I have filed an FTC report on this account. When this debt was open, I was unfamiliar with a credit report or things being placed on my credit report. I am a victim of identity theft and have tried to explain that to this company, yet they have failed to acknowledge the FTC report and other documents that I have sent to them concerning this account. 
I am attaching the FTC report again, so that they can see and that I am acknowledging that this account does not belong to me.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (VA)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (CA)

this is a medical payments excess medical already been payed off my medical private this is a HIPAA VIOLATION -Healthcare LAW-ATTORNEY THE ATTORNEY GENERAL OFFICE PUBLIC INQUIRY UNIT XXXX XXXX XXXX XXXX XXXX 
XXXX WWW.OAG.CA.GOV THIS IS UNDER CODE XXXXXXXX XXXX XXXX XXXX BALANCE {$2900.00} HAS BEEN PAID ACCOUNT # XXXX OPEN XX/XX/XXXX XX/XX/XXXX THOUGH XXXX XXXX XXXX XXXX COMPENSATION REPORTED XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit 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: WELLS FARGO & COMPANY (AZ)

I have a dispute against XXXX where I paid my mortgage and turned around and paid XXXX the same amount ( XXXX ) the same day. I always maintained a XXXX balance on the XXXX XXXX. XXXX days later, XXXX rescinded the rent payment and kept the money. My mortgage company just let me know the payment for last XXXX XXXX was missing and what happened. I have all my statements showing my XXXX transactions each month ( I never used the card for anything else. ) They did not notify me that they rescinded the rent payment. I have been hearing from their XXXX desk going on XXXX weeks now and they have XXXX customer service people who know nothing. XXXX has no procedure for handling a dispute. I finally got Wells Fargo ( who partners with this card ) as the owner to assist yesterday but XXXX unsure if anyone is really owning this and trying to assist me. I have proof of all statements including my bank statements that show my payment to XXXX. I canceled my card last XXXX when fraudulent charges were made that they approved even though as soon as I received a text asking Did you just use your XXXX XXXX at hotel in XXXX XXXX XX/XX/XXXX of XXXX? I phoned them immediately to tell them I didnt use the card. They still posted them to my account so I had to file a dispute and ask for proof with my signature at the hotels. There were XXXX charges and XXXX were at hotels. They took XXXX months but finally corrected their mistake. This was after they rescinded my mortgage in XX/XX/XXXX and never notified me. I demand they give me the XXXX and late fee charges of {$68.00} for each month since XX/XX/XXXX. They refuse to send me a list of transactions or evidence as to why they rescinded my mortgage payment. I even sent them the relevant statement for XX/XX/XXXX yet they refuse to engage and refuse to assist me. There are thousands of complaints against this crooked card. MY NAME IS XXXX XXXX
Consumer complaint received 2015-10-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NY)

My sister has removed money from her N.F.C.U. account without her permission or mine. I was wondering why they can not put a hold on the account where she put the money and to take LARGE sums of money without check with me or my mother?? She has removed about {$72000.00} from my mom 's accout without permission and they are saying she has the legal right!!! I will sign any papers you wish to check her accounts like a lawyer would make me sign to check accounts!!
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MO)

I have sent full payments amounts indoors to all these companies listed within all my complaints to their indenture trustees now according to 15 USC 1692C they are not supposed to be contacting me nor blowing me up like they do constantly every other day. Now this is the law. I'm not understanding why it so hard for theses companies to follow the laws and regulations that have been set in place by the government. What makes them above the laws. If it was me doing these things and or not following the laws that was set in place to XXXX people like me around. They expect me to follow the laws and regulations. So what's the difference or problem with these companies to follow the laws and regulations that set in place supposably to protect the consumers but nothing being done to protect me nor to theses companies that are breaking the laws. Are you telling me because I'm Native American it doesn't apply to me.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior Cfpb Investigation related to this matter today XXXX XXXX it has been more than 30 days a considerably reasonable amount of time to contact me back in regards of these unauthorized inquiries, that I am unfamiliar with. In my last complaint I mentioned these inquiries that have resulted from Identity theft. 
The Inquiries are 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 Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. 
I am asking the CFPB to step in and help me secure and make sure my rights are not being violated Thank you. XXXX
Consumer complaint received 2024-08-16
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. (AK)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OR)

I have a Chase Sapphire Reserve credit card. As part of the benefits promised with this card are trip interruption and trip delay insurance. I needed to make a claim because of a XXXX flight delay that required us to spend the night near XXXX XXXX after our flight we missed our connecting flight because of a flight delay. I submitted a claim to the agent of Chase, eclaims.com on XX/XX/year>. I provided the documentation requested. I have been repeatedly asked to provide additional documentation o er the last three months. In each case I provide what is asked for, I then hear nothing back until I call them, and am then told additional documentation is needed. 
As XXXX XXXX as an agent of Chase, I complained to Chase and was essentially told Chase has nothing to do with it. 
In the meantime, I am dealing with a non-responsive company that appears to be giving me the run-around instead of processing a legitimate benefit offered by the terms of my credit card with Chase, and am unable to collect the benefits to which I am entitled.