davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC. (NY)

On XX/XX/year>, I applied for a {$30000.00} personal loan with SoFi via their app. When given the option on the application to provide SoFi with proof of employment/income, there was an option to provide future proof of employment. I have two jobs and one of them was starting on XXXX XXXX. SoFi asked me via their application to upload the offer letter of my future employment, which I provided. I was not given the option to provide a payslip for my second job, but I uploaded that as well. SoFi accepted the documents. On XX/XX/year>, SoFi emailed me requesting that I provide Verification of Employment from my employer. ( Disclosure : Sofi did not indicate in the application that after submitting future proof of employment, that I would have to provide the proof of employment via a form provided by SoFi that my employer would need to complete and send back to them directly ). As instructed, I had my employer fill out the form SoFi requested and sent to the provided email : XXXX. My employer sent the Verification of Employment form on XX/XX/XXXX and XX/XX/year>. SoFi claims to not have received the email nor the Verification of Employment form within the email. On XX/XX/year>, I sent SoFi a copy of that form from my personal gmail that I received from my employer. SoFi did not accept this document because it needs to come directly from my employer. I called SoFi on a recorded line on XX/XX/year>, to find a solution. The would not accept anything besides the Verification of Employment form provided directly from my employer. I have offered my payslips in lieu of that form to prove my employment. SoFi rejected this alternative method of proof. As my credit report was checked at the time of application, I know my employer was listed on it, hence SoFi must have seen this on the hard credit pull. I have my employer listed on my credit report because I signed a contract with them prior to start date of XX/XX/year> and received a signing bonus from them prior to starting, which was received on XX/XX/year>. Me and my employer have fulfilled the obligation SoFi has put on me but has refused to accept any proof that has been submitted. In addition, on XX/XX/year>, I forwarded the email that my employer sent to me with the document SoFi requested, to the email : XXXX. I have not received word of this will be accepted.
Consumer complaint received 2024-08-08
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: CITIBANK, N.A. (CA)

Despite reporting multiple fraudulent balance transfers and purchases, I have received no direct communication from Citi 's fraud department and have encountered inconsistent and contradictory information from various representatives. 

I first reported the fraudulent activities around the end of XXXX and again in XXXX. Since then, I have had to initiate multiple calls to Citi to address these issues. I was informed that the fraud department would reach out to me if they had any questions or updates regarding the investigation. However, I have not received a single call from your department. When I contacted the fraud department today, they mentioned they had questions that needed answers to continue the investigation. Why was I not contacted earlier, as promised? Instead, I had to call in, and then, frustratingly, I was hung up on. 

During the call, I was asked, " Do you know what bank the checks were cashed at? '' This question puzzled me, as I did not cash these checks, and I would expect Citi to have access to images of the checks. Additionally, customer service claimed today that the fraudulent balance transfers were not included in my fraud report. This is incorrect, as I have discussed these transfers with multiple representatives from the fraud department, all of whom acknowledged my reporting of these fraudulent activities.

I understand that these investigations can take time, but the lack of communication is unacceptable and anxiety-inducing. A simple update on the investigation 's status or an estimated timeframe for a resolution would go a long way in alleviating my concerns.

Moreover, the conduct of the fraud department has been unprofessional and eerily similar to common scam tactics. I was asked for a security word over the phone and to share a code sent via text, despite the clear message stating, " We will not call or text you for this code. '' While I understand that I initiated the call, these practices are unsettling and raise red flags. The message should be more clear if they are actually opposed to scammers.

Lastly, I have repeatedly stated that I do not want any purchases or balance transfer requests to be allowed on this account. Given the circumstances, I would think Citi would prioritize preventing further fraudulent activity. Unfortunately, this experience has left me overwhelmed and stressed. Once this matter is resolved, I intend to pay off the balance I am responsible for and close my Citi account. They have refused to restrict Balance Transfers from taking place, as another one has now taken place on XX/XX/XXXX. The balance on my card is now {$3000.00} of which I have not initiated and this is causing immense frustration.
Consumer complaint received 2024-08-10
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

The company reported incorrectly to the credit bureaus my balance since XXXX XXXX. I filed a dispute with XXXX, and they replied on XXXX the same incorrect balance they have reported. I made a payment on XXXX for {$200.00} and they have failed to report it since that date. I spoke with XXXX from Nordstrom card Services, and she acknowledged the error but said they do not do off cycle reporting so they can not do anything on their end and I should do another dispute with the Credit Bureaus or wait until the next reporting date XXXX. When I asked how is appropriate for me to be penalized when they made error, and it is my responsibility to file another dispute and " hope '' this time they report the correct balance? This is fraudulent behavior and impacts the card users ' credit ( not only balance error but showing I missed a payment at this time as well, which I did not ) and I am assuming I am not the only person this is happening to. As the consumer we rely on the card companies to report correct information, and it should not be our responsibility to correct an impactful error on their part and they can just wipe their hands clean of it.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (VA)

In the beginning of XXXX I tried to purchase a XXXX from XXXX, which was XXXX dollars. So XXXX say yeah we don't accept chime credit cards. Even though the payment was pending and the money was already gone into pending status. So we called XXXX trying I called XXXX trying to cancel the purchase I made. XXXX said we never accept the Payment, call your bank. And chime said wait 5 business days. During the process they closed my account Due to me using profanity over the phone because chime Is vert unprofessional and untrustworthy. So I used profanity. They closed my account and said it's not I'm compliance and took the XXXX dollars. And mailed me a check for XXXX cents.
Consumer complaint received 2024-08-07
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: DISCOVER BANK (SC)

I have been contacted by email concerning a discover and XXXX XXXX account created in my name. I personally reached out by mail to verify my identity and request verification and validation of the alleged debt. Recently, I have also contacted XXXX XXXX XXXX XXXX of Discover about this matter. The lack of effort used for my investigation is affecting me tremendously and has caused severe XXXX  and XXXX!!! They are continuing to add interest to this fraudulent account and that is destroying my financial profile. I am expecting integrity from both parties and Im hoping I can hold you the CFPB as well as Discover and XXXX XXXX to a high standard in having this manner resolved in a satisfying manner.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

I got CashApp to send money to my grandson at college if needed. There was a problem with CashApp and I talk to a young lady on the phone she ask me how much money was in my cash app I told her she said ok send that to me and see if it works so I did now I told her I live on XXXX a month XXXX so any way she tells me to send XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I ask her would I get my money back she swore to me yes and she said she would send it back immediately I said ok please do I have bills automatically coming out this week she said no problem so now all my money is gone I cant pay my bills my utilities will be cut off and Cashapp is refusing to send my money back saying I sent it to them Come on what seriously who would just give their money away so they said they would try to resolve it but they said they cant help me. This is there response I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX. 

If I don't hear back from you regarding this complaint, I will assume you recognize and understand the resolution. ME : ff Im beginning to believe she took my money wasnt helping me I will report this to every agency even the better business bureau TODAY if my Funds are not put back. THEM : After reviewing your previous message, I can confirm that we have thoroughly investigated your concerns and provided an outcome to the issues you raised. 

We understand that you may not be satisfied with our final response to your complaint. If you have new supporting information that you feel we should consider, we invite you to provide it. 

Otherwise, if there is anything outside of this request, that we can help you with, please let us know. 
What am I supposed to do to pay my bills? Ive literally cried myself to not sleeping nor eating.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (IA)

On Monday XX/XX/XXXX, my account was mysteriously restricted by SoFi after I received a loan from my job to pay off my rent. They never gave a clear reason why they restricted my account they just did it. XXXX, the next day via email, They lifted my restrictions and told me that there was an error on their end and they apologized. Maybe 4-5 hours after they restricted it AGAIN and still havent told me why. But theyre closing my account. I have hard earned money saved in that account and have lots of bills that are due.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (HI)

I recently filed a complaint against this company because they are damaging my credit worthiness, credit standing, and credit capacity ( Complaint # XXXX ). Wells Fargo [ Account # XXXX ] has been proven to report inaccurately and incompletely by both the consumer, me, and a consumer reporting agency ( XXXX XXXX, but now even the company itself admits that the information furnished was also incomplete/inaccurate with their response to my previous complaint. See attached. Pursuant to section 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ) I am demanding that this agency complies with the Fair Credit Reporting Act and removes this account from all of my consumer reports. In their response to my previous complaint, they stated that they will continue to report the information as the information was " accurate '' but a sentence later they stated that they noted inconsistencies. If the information was truly accurate and complete, then there would be NO inconsistencies, further proving my claim. Additionally, furnishers of information such as Wells Fargo MUST comply with Metro 2 which is part of the reasonable procedures that consumer reporting agencies have taken in order to ensure that the information they are reporting are the most accurate, complete, and timely as stated in the furnisher guidelines. This means that in order for this agency to furnish information on my consumer report, they must meet 13 requirements. As proven by me, the consumer, XXXX, the consumer reporting agency, and Wells Fargo themselves, this reported information clearly does NOT meet all 13 requirements to be Metro 2 compliant. Pursuant to section 623 ( b ) ( D ), when they received the result from XXXX stating that the information was deleted, it was their duty to report that result to all other consumer reporting agency ( WHICH THEY DID NOT ). If this agency does not remove this account promptly from my reports then I will have no choice but to seek legal action as this inaccurate information is causing me emotional distress especially since inflation is high and this is not a great economical climate to have bad credit let alone inaccurate information on a credit report.
Consumer complaint received 2024-08-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (TX)

This was with mariner finance and XXXX, TX XXXX XXXX. I had a set up payment plans that my attorney XXXX XXXX arranged to pay a total of {$1200.00} and I was to pay this by XXXX, sorry by XX/XX/XXXX of XXXX  I made the last payment on XX/XX/XXXX of XXXX. They charged an additional {$800.00} and they know about the agreements.
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (GA)

Please accept this letter as my formal request to investigate why my Lender, Mr. Cooper refuses to communicate any information on my mortgage account Mr. Cooper received, accepted and applied HAF funds from the XXXX  Department of Community Affairs of {$50000.00} towards my delinquent balance in XXXX. Mr. Cooper agreed to provide a loan modification of the remaining balance. The response from my first CFPB complaint is the letter that states Mr. Cooper will agree to modify the remaining balance. To date, over 6 months later, Mr. Cooper has : Not provided a proposed loan modification for the remaining balance due on my delinquent balance.

Refuses to provide me any verbal or written communication on the status of my loan.

Refuses to answer any of my questions.

Refered me to their foreclosure attorney for any questions about my loan.

Their assigned foreclosure attorney refuses to answer any questions on how to satisfy the remaining balance due on my loan as this is Mr. Coopers responsibility, who refuses to speak with me about the matter.

My account is not in an active bankruptcy, nor am I aware why my file has been referred to a foreclosure attorney when the Lender has agreed to offer me a proposed modification option when accepting the HAF mortgage assistance funds.

To make matters worse, Mr. Cooper has breached my personal information to another borrower in another State. I received credible information for this borrower that they received my loan information along with notes from my Lenders file.

I am requesting an investigation as to why Mr. Cooper will not answer or provide me with any information and loss mitigation options to bring my account current. Mr. Cooper continues to operate in negligence and strategically setting me up to not afford my mortgage payments by refusing to communicate with me about my file. Mr. Cooper has a fiduciary responsibility to send me notices, a mortgage statement, and offer me a loss mitigation option for my FHA loan. I need to know why are they ignoring me? I am concerned my balance is now too high for me to receive a loss mitigation option when the lender has simply ignored me.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

There are two unauthorized transactions on my account, someone used my lost Td bank debit card to make purchases in another country while I was still in XXXX XXXX, TD bank fraud department contacted me on XX/XX/year> through text message to verify some charges, I immediately notified the TD bank that I was not the one making any of the charges, they immediately closed the card and reported the fraudulent charges and advised me filling a dispute once the pending transactions are posted on my account. I filed the claim for two unauthorized charges twice and they denied my claim, claim numbers : XXXX, XXXX, they are not reimbursing me for the unauthorized charges, I did not write down my pin number on the card or I did not authorize anyone else to use my card in anyway. 

I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund TransferAct. See RegulationE, 15U.S.C. 1693et seq., 12C.F.R. 205.6, 205.11
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

I am a full class member of the XXXXXXXX XXXX XXXXXXXX lawsuit. 

My loans were consolidated from XXXX in order to qualify for XXXX and the servicer of those consolidated loans was XXXX XXXX. I made monthly payments to XXXX XXXX beginning XX/XX/XXXX until XX/XX/XXXX when payments were haulted for XXXX. 

XXXX XXXX went out of business and Mohela became the servicer of my consolidated loans. During this time, the XXXX  requirements were changed and I became eligible for loan discharge via the XXXX program. My loans were XXXX and even though Mohela was my service provider, I never made any payments to them because of the discharge and the covid repayment pause. 

Regardless of the discharge, I am due a full refund for payments made towards these loans as stated in the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX had no issue giving me a refund within a couple months of the court case. Mohela, on the other hand, has done absolutely nothing and we are well past a year now. 

I am making a very simple request of Mohela. They are the servicer of my loans and I need them to go through my loan history ( specifically XXXX XXXX payments as they are no longer in business ) and go through the process of issuing me a refund for all payments made. This isn't XXXX XXXX I have gathered all dates and payments made to XXXX XXXX from my bank statements and it took MAYBE XXXX minutes. 

Mohela is dragging their feet with this case and have been taken back to court recently. According to the latest lawsuit information ... If you have Direct Consolidation Loan ( XXXX ) that include your XXXXrelated debt and you have not yet received a discharge, then you should expect to see those loan balance ( s ) discharged in full by XX/XX/XXXX. By that date, the Department is also supposed to send you a refund for all amounts you paid on your most recent consolidation loan ( XXXX ). 

I am sure they will miss this deadline too. Any help would be greatly appreciated.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I have XXXX issues with NETCREDIT. While they did update and correct my name on the account, I have requested SEVERAL times for them to provide clarification on their response to my applications which - like every other request I make, they ignore until I file a complaint. They pre-approve me and then deny me base on their response of " bank activity ''. This is the only response they provide and I do not understand what that response means. What is the issue with my " bank activity ''. If needed, I will be glad to open a new complaint on this matter as this is obviously the only way they respond to my requests. Thanks.
Consumer complaint received 2023-11-15
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. (MA)

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XX/XX/XXXX XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery XXXX harasses me constantly even though I have asked them to first send me valid documentation of the debt they are saying is mine and after they didn't do that and continued the daily numerous harassment calls I asked them to cease and desist and they have not!! They call several times a day Monday-Sunday and call using different local telephone numbers. The representatives are very rude and threatening. Here lately because I have asked them to stop calling me they still call my phone # but ask now to speak to my spouse.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MA)

I applied for an Apple Card yesterday XX/XX/XXXX and was automatically denied. 

The emailed report had false credit scores. 

My score is around XXXX while the denial application shows XXXX. 

The department supervisor for the Apple Card division mentioned nothing could be done regarding my credit worthiness and proceeded to defy federal law.