davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (CA)

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows Affirm Inc. account # XXXX. This account is fraudulent & I have filed & provided a police report as well as provided a letter of incarceration stating I was locked up during the time the account was opened
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
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: Nelnet, Inc. (VA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX/NELNET - XXXX, XXXX/NELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
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: General Motors Financial Company, Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2016-02-03
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (NC)

I have just started with Clear One Advantage and they had told to stop taking my creditors call or to tell them I am working with the company. I was at the end of my ropes and considering bankruptcy. I got in touch with them. All I am want is to be debt free and in to deeper debt. I do n't want to be scammed out of my hard earned money. I have only paid them one month.
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (AZ)

I was contacted by Premier Student Loans in XX/XX/XXXX about assisting me with loan consolidations and reducing my student loan balances and payments. They informed me that they could reduce my student loans so that I only paid {$5000.00} of the {$30000.00} I owe in $ XXXX/month increments. I paid their fee in 3 monthly installments and have been supposedly paying {$20.00} a month towards my loan balances since then. Today, I checked my loan payment history with XXXX and Premier has made NO payments towards the balance of my loan even though this {$20.00} a month was supposed to be paid to the balance of my loan. Today, XX/XX/XXXX I have made multiple attempts to email Premier to get my payments applied to my loan and the emails are returned as undeliverable. Their website is also " down for maintenance '' at this time. Due to not being able to get in touch with them, I have instructed my bank to stop all future payments and I intend to seek restitution for these payments.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX, I notified Citizens Bank that I was taken off work due to a health issue and that I didn't anticipate being able to make my mortgage payment ( s ) for an unknown period of time and asked about options. I spoke with XXXX XXXX XXXX XXXX who advised that he would submit a forbearance application and I would receive it in the mail via USPS. By XX/XX/XXXX, I had not received anything so I called the loss mitigation department again. I was assured that the packet had been sent. I advised that my loan was due on the XXXX and I was getting worried. She assured me that I should be receiving it soon. I called again on XX/XX/XXXX because I had still not received anything and spoke to XXXX. XXXX advised that I could go to a website and download the documents, fill them out and then upload them. I asked that the hard copies still be sent to me again and she said she would XXXX them. She also said someone should have told me about the link sooner especially since I asked if there was a faster way in previous calls. The website link she gave me didn't work after the call ended but I ended up finding it myself. I tried uploading/attaching all of the required documents but despite my vast tech knowledge, it would not work. I called loss mitigation again today, XX/XX/XXXX to escalate/file a complaint but I was told by XXXX that a supervisor wasn't available. I have never missed a mortgage payment in my life and as a responsible consumer, I don't feel that the process Citizens has in place is okay. Even after they receive my documents, it will still be another 7-10 business days before they make a decision putting me past my XXXX payment before I even find out if I'm approved. It's unfortunate that while I am working to get well that I have to go through this and something tells me that I'm not the only one. This is the first time in my life I have ever had to go make a CFPB complaint. I feel as though the ball got dropped every step of the way despite my acting as proactively as possible.
Consumer complaint received 2024-06-13
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. (TX)

I booked a hotel stay at the XXXX XXXX in XXXX, CA on my Citi Visa card. The vendor ( hotel ) charged the wrong credit card. In getting XXXX to correct the error, XXXX then charged and refunded my Citi Visa card. On XXXX XXXX the vendor charged XXXX CAD to the Citi Visa card ( {$850.00} ). On XX/XX/2024 the vendor refunded XXXX CAD to the Citi Visa card ( {$850.00} ). This refund was an error ( should have been made to the other credit card ). However, there is a difference of {$5.00}. Essentially I am paying Citi {$5.00} for a service I never received. I contacted Citi to get the transactions to match in USD and was told I needed to contact the vendor and ask them to refund me the difference as a courtesy because of the difference in exchange rates between the USD and CAD. I believe Citi could do the same thing since the vendor sent them the exact funds for the transaction. Thank you for your assistance in resolving this issue.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

Before falling behind on payments, I made regular on time payments, paying off any balance I had. I fell on hard times. I had no income to cover my expenses. During this time I couldn't afford my minimum monthly payments and they closed my account. When I got on my feet again I willing to make payments.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One had a XXXX XXXX XXXX  XXXX XXXX XXXX dismissed with prejudice in my favor, XXXX XXXX. Despite this, Capital One continues to request my updated phone number and has not removed all related documents from credit bureau agencies.
Consumer complaint received 2024-06-13
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: Shellpoint Partners, LLC (NY)

XXXX XXXX XXXX send total {$75000.00} ( XXXX and XXXX two separate XXXX  for insurance XXXX  claim ) to shell point check are cashed out with out my signature and lien was fully paid off as home was sold and money was never send back Shellpoint mortgage servicing is not complaining with my request to return money back and refusing any conversation about it ( loss drafy dep tell me that there is no money ) i have number for checks and dates as was cashed out before even i sold home by mortgage company..

Please help me in this situation thanks
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got an XXXX  month deferment of my mortgage during covid 19 pandemic, which should have extended my loan payoff period by XXXX  months. However, the company has made an error in placing or categorizing the deferred payments in a way that would still allow me to pay off my entire balance following the XXXX-month loan term extension. In another word, after the XXXX-month extension at the end of my loan payments, I will still be left with a remaining balance of {$81000.00} in unpaid interest payments. Trying to pay off the {$81000.00} will take me BEYOND the extended XXXX-month period of the original loan terms. Deferment by XXXX  months, should extend my original loan terms by only XXXX  months, with no other balances remaining, which is not happening in my situation. I tried to alert the company regarding this error in XXXX and XXXX ( while making multiple attempts to complain about this error and their lack of understanding about it here at CFPB ) but it fell on deaf ears. But within a few months of my last complaint, they sent me a letter ( attached ) confirming their error, but their solution to fix the error does not completely fix the error based on my calculations of the current amortization schedule. In my opinion, they originally made the error by placing only the interest portion of the paused mortgage payments ( and not the principal portion ) in a deferred category. This way the principal portion stayed in the unpaid principal category and continued to accrue redundant or double interest for the remainder term of the loan. If both the interest and principal portions of the payments were placed in the deferred category, the math would work correctly : XXXX  months deferment adds up to XXXX  months of extended payments at the end of the loan term. But this is not happening now as I will still be owing {$81000.00} after the XXXX  month extension of the original loan terms. They made an error and that is why they admitted to it in the letter dated XX/XX/XXXX ( attached ) and tried to fix the error by reducing my interest rate to 0 % on XXXX/XXXX and until XXXX/XXXX. But this solution is not going to fix the error completely, if I am going to still have a balance of the deferred amount remaining after the XXXX-month loan term extension. I need the company to review the math very carefully since they have made an error before and recalculate the correct date that the interest rate should go to 0 % ( probably much earlier than XXXX/XXXX ) so that when my loan term ends in XXXX/XXXX, I have paid ALL principal AND interest as per the original loan term and the additional XXXX-month extension due to deferment. In other words, they need to CONFIRM that the {$81000.00} will also be paid off by the end of the XXXX-month extension ( XXXX/XXXX/XXXX ) of the original loan term ( XXXX/XXXX/XXXX ).
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV)

My complaint is about MoneyGram strict rules and regulations in conjunctions with them sometimes working though intermediary who reserves to themself rights not to learn those rules and mistakes that comes from that negligence bring customers a lot of damages. 
On XXXX XXXX 2024 I sent {$9900.00} via MoneyGram from XXXX location in XXXX on XXXX XXXX. 
When I encountered the problem- got message that money is on way, but it never arrived. 
I contacted XXXX : '' I can not track the transfer from XXXX since the money transfer from XXXX is prohibited and MoneyGram website is not available. Can you please help me to track the transfer? '' The answer : " please contact with MoneyGram. We are only the intermediary. '' When arrived to USA I tracked the transaction to find out that " your money is ready to be picked up ''. Yet no MoneyGram location can give me that much cash. Although I brought the check book to that XXXX and specified that it is for purpose of taking the bank account number from there the transaction was set to pick up. 
At XXXX they got bored and stopped to respond. 
I contacted XXXX XXXX headquarter. They redirected complain to customer service in XXXX. Those to some clerk on XXXX XXXX. That clerk found out : " The transaction method can not be changed, you have to cancel the transaction. Can you come to our office? '' although I already told him many times that I am in USA. At MoneyGram customer service already told me that about method. Their customer service is not for solving problems, they XXXX  the questions and answer like : " You can not ger XXXX XXXX from MoneyGram location? Give me your zip code I will give you the MoneyGram location closest to you ''. Exactly what XXXX offers when asked the same. 
My questions : why money transfer method can not be changed even if presented all the information and necessary documents at the MoneyGram location? 
why allow to handle the job the company who charges even more than MoneyGram does, but don't care about MoneyGram rules and regulations? When I told them about monthly limit of transactions from XXXX to USA they simply told me they don't care. 
I booked a flight from USA to XXXX, booked a hotel in order to get the money when the transaction is canceled. It goes without saying that the fee I paid for the transaction would be lost too, it is me who has to pay for their employee mistake. 
I know that it is mostly complain about XXXX. Yet why MoneyGram thinks it is easier for someone to go to XXXX than for them to make an exception and change the transaction method?
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2023, equifax received a certified letter requesting written documentation of a hard inquiry on my credit report that I did not authorize ( USPS Tracking Number XXXX ). I also requested that if documentation could not be provided to me to please remove the inquiry from my report and send me an updated copy of my credit report.the inquiry was for Informative Research-CPU On XX/XX/XXXX equifax sent me a copy of my credit report including the results of their investigation. The results stated that inquires are factual record of file access and will remain on the equifax credit file for two years from the reported date of the inquiry. The inquiry is still on my credit report without providing me proof tht I authorized this inquiry.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WSFS FINANCIAL CORPORATION (DE)

I was charged an overdraft fee for check # XXXX even though the funds were there and I have XXXX snapshots of account showing as such.when I supplied the bank with both snapshots I was told by there customer service that they were not going to do anything about it.i should've never been charged the overdraft charge especially since I showed them the proof.i want this fee reversed.they also keep telling to go to my branch when in fact they are the almighty XXXX and should be handling this.