davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SOFI TECHNOLOGIES, INC. (WY)

In XXXX I applied for a personal loan with Sofi. This loan was paid in full and the account was closed in XXXX, XXXX. I have continued to be harassed on a monthly basis for the past FIVE YEARS from Sofi with offers of credit and preapprovals. They have followed me through 3 separate moves including an out of state move. I have opted out numerous times directly with Sofi, and have generally opted out at the federal level. In XXXX I began XXXX mail monitoring and have documentation showing that I have had inbound mail from Sofi ONCE A MONTH since that time. I have contacted the company via email and via phone. They claim I have been removed, and yet here I am today, XX/XX/XXXX, with yet another piece of mail from them telling me it's urgent I open the envelope and get a credit product from them. 

Additionally and more importantly, this company is pulling my credit via soft pull on nearly a monthly basis. They do not have a permissible purpose/use under FCRA as I am not their customer and have not been for five years. I have asked them to stop, in writing, and they continue. I sent them my name, address, and DOB and asked them to stop 6 months ago and they have not stopped.
Consumer complaint received 2024-08-15
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: Freedom Mortgage Company (FL)

When I purchased my XXXX XXXX XXXX  I did it through XXXX and my Lender was XXXX XXXX. Before the Ink was dry it was sold to Freedom Mortgage. In XXXX of this year I received a Final notice from Freedom stating that I needed to have flood insurance ( I live on the XXXX floor ) I faxed to them twice and uploaded documents showing that my building has flood insurance. They went in and took XXXX out of my escrow to pay for flood insurance now I have a negative balance and this upped my mortgage payments XXXX XXXX dollars which I can not afford. Why when XXXX said I didnt need flood insurance are they stating I do. I live in flood zone XXXX  in XXXX which according to XXXX it presents a XXXX % chance of flooding. They will not work with me - my payment will increase next month.
Consumer complaint received 2024-08-12
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: Bread Financial Holdings, Inc. (TX)

I am writing to express my serious concern regarding the derogatory rating on my account. This negative mark has already had significant consequences, including the rejection of a recent loan application and increased interest rates on my existing credit accounts. The financial and emotional strain this has caused me is substantial and ongoing. 

The impact of this negative rating on my credit profile is severe and far-reaching. It is critically hampering my financial opportunities and causing undue stress in my daily life.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Cashapp account to fraudulent investment firm ( s ).
Consumer complaint received 2024-08-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OH)

After already submitting tax info for my IDR plan, I have now received a letter stating that in December I will have unreasonably high repayment amounts, in the neighborhood of {$5700.00} a month ( more than my monthly take home pay ) after insurance, taxes, and retirement withholding ). I was on the SAVE plan and they have the account on administrative forbearance. Trying to call is a circus. Insane delays. You can never get ahold of anyone. Who can wait for hours on hold? I have a job - trying to deal with my loan servicer shouldnt be another full time job. So I cant tell if they have my IDR tax info or not and theyre saying on the site that XXXX cant reapply until they notify you when you can. Im so confused and cant get ahold of someone to help me sort out whats happening.
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: Kikoff Inc. (OH)

Despite my multiple attempts to dispute these items with XXXX XXXX and provide supporting documentation, such as evidence and police reports the issues have not been resolved this account account was fraudulently opened I have no knowledge of it my identity was stolen. Additionally, I am being sued for debts I no longer owe. Debt collectors are selling my debt, leading to multiple lawsuits against me. I request that these items be investigated and corrected as soon as possible. Please provide me with a written statement detailing the results of your investigation and any changes that are made to my credit report. Belon is an attached copy of my report for your reference. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

On XXXX XXXX XXXXXX/XX/year>, XXXX XXXX which is managed by TD Bank had a system failure that led to auto payment not going through. The bank did not inform me regarding the issue and I was charged a late payment of {$29.00}. I had to call a customer representative to ask about the issue and the bank admitted to the issue and stated that they would work to resolve the issue. Due to the frustrating experience, I decided to pay off my remaining balance of {$440.00} which includes the {$29.00} late fee. It is now XX/XX/XXXX and I have not seen a refund or reversal of the above late fee.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My account was closed due to fraud. I am currently trying to get help with my banking account. Someone is impersonating me and had already made a claim for the illegal withdrawals that they committed. The person is following my to ATMs, Casinos, and department stores. I have filed complaints using my XXXX and XXXX email accounts. Both accounts have been compromised as well. Called XXXX, XXXX. Called XXXX, XXXX, XX/XX/XXXX. Ive been to the bank XX/XX/XXXX, and filed a report claim with the XXXX XXXX XXXX police department, report number XXXX and XXXX. I am also mailing the fraud reports to Bank of America and XXXX.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I opened a XXXX XXXX  credit card that had a {$95.00} annual fee. I never received the card and, upon calling them multiple times, eventually found out I wouldn't receive the card until I went to a branch with proof of residency. As there was a convenient nearby branch, I canceled the card and had the {$95.00} annual fee reversed by an agent via telephone. I later discovered that the fee hadn't actually been reversed and that I was charged a {$40.00} late fee as well. I was not made aware of this until calling back and once again asking them to reverse both fees, since I never received the card. 

The day after I called to reverse the incorrect fee a second time, they reported me for a late payment that drastically reduced my credit score with all three agencies. I called and emailed to have this late payment reversed but received no response. 

This was an illegitimate annual fee as I never received the card. In addition, I was told the fee was reversed before payment was due. I also wasn't notified that the fee was still outstanding until it was basically too late to avoid a late payment report to the credit agencies when no payment was actually due. The fact that the fee was reversed ( twice ) supports no payment was actually owed. 

It was horrible dealing with this bank and very difficult to reach the correct department to resolve an issue they created by approving a card and charging it then not actually mailing it. Insult to injury, they ruined my XXXX credit score due to an illegitimate charge that I was told had been reversed.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (DE)

I sent a payment of {$380.00} to a family member using Cash App. The family member recently got a new phone and can not log into his Cash App account. He is elderly and not very proficient with apps. He can not log into his account to receive the money that I sent him. 

He called Cash App customer service and they told him he can not recover his account. So I called customer service and asked to cancel the payment so that I could get the money back, but they refuse to cancel the payment. 

I want to retrieve the {$380.00} that I sent because my family member can not get into his account to receive it.
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper is the company. I have tried several times to contact Mr. Cooper via their phone and chat process. These processes do not provide answers to the questions I have. Mr. Cooper has set up a never-ending loop that does not allow you to speak to a live person to solve your issue. And at some point it just hangs up on you. 

Mr. Cooper 's communication process is not equipped to solve customer issues and XXXX is built a certain way so as not to solve problems. 

I need to discuss an escrow issue.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Penny Mac Sold my information to a million Mortgage companies, after I chose not to refinance with them. The past two days I am being harassed by hundreds of calls, text and E-mails a day from random mortgage companies asking for me to refinance. I need these calls to stop, it is effecting my work and home life.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KY)

Dear Sir/Madam : I am writing to file a formal complaint regarding an inaccurate public record that is currently listed on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, the inaccurate information remains on my report and continues to affect my credit standing. Here are the details of my situation : 1. **Credit Reporting Agencies Involved : ** XXXX XXXX XXXX XXXX and XXXX. 
2. **Nature of the Inaccuracy : ** A public record is listed on my credit report which I have verified as incorrect. 
3. **Verification Attempts : ** - I contacted the court in my jurisdiction, and they confirmed that they do not validate or supply information to any third-party agencies, including credit bureaus. - I also contacted LexisNexis and XXXX, both of which confirmed that they do not validate or supply information regarding this case to any third-party entities. And only LexisNexis replied in 30 days, never received any follow up from them validation Given this information, it is evident that the public record on my credit report is either inaccurate or unverifiable. I have formally requested each of the credit reporting agencies to investigate and remove this incorrect public record from my report. However, as of the date of this letter, the inaccurate information has not been removed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. If they can not verify the accuracy of the information, they are obligated to delete it. I am seeking the Federal Trade Commission 's assistance in addressing this matter and ensuring that my rights under the FCRA are upheld. 

Enclosed are copies of my correspondence with the credit reporting agencies, as well as any responses I have received. Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

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 XXXX15 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 follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( 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 is inaccurate. that the information
Consumer complaint received 2024-07-25
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. (IA)

In accordance with the Fair Credit Reporting Act The list of the following 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 States a consumer reporting agency can not furnish an account without my written instructions and or permission.

15 USC 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. ( 1 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 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 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Consumer complaint received 2024-07-25
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)

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information.

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared.

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties.

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( s ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared.

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I am not liable for any debt with CAINE & WEINER. I did not and do not have any business with CAINE & WEINER. I do not have a contract with CAINE & WEINER and they have not provided a original contract as I requested. 
This company is violating my consumer right to privacy.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another CAR LOAN account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California XXXX
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My charge card that I have with kohls I feel like they are taking advantage of these interest rates. My payment is XXXX and they charge me XXXX in interest. So XXXX comes off of my balance. I'm never late with my payments and I give them good business. I feel like they are stealing my money. Are they allowed to take 75 % of your payment for interest