davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Hi, I want to complain about the Newrez LLC mortgage company. I have called them to try to fix the issue on my account since XX/XX/XXXX. The mortgage company charged an insurance amount of {$420.00} to my monthly mortgage while I provided the insurance policy from XXXX to their insurance department ( see attached ). On XX/XX/XXXX, their insurance dept emailed to confirm that they received the policy and will adjust my account within 2-3 business days. On XX/XX/XXXX, the amount was still on my account, so I called the customer service rep ; the person said it was under escrow analysis and would take 7 business days. On XX/XX/XXXX, I called again to see the status of my account. They said it would be corrected on XX/XX/XXXX. By XX/XX/XXXX, my account remains unchanged. I called the reps, and they said it is still pending. I asked for a supervisor of the department. The supervisor said it could take a month. At this point, I am so upset. I asked why and how I could process the payment for XXXX without a late fee. He didn't help. He said to call back in XXXX to see if the account was corrected. Today, XX/XX/XXXX, I want to make my monthly payment without the {$420.00} insurance, and I am trying to process it online. They do not allow me to adjust the amount to my monthly mortgage without the {$420.00}. I called the customer service rep again, and he said that the account is still pending for XXXX analysis and will take 7 business days. It is so stressful, and it is affecting my health since I can't sleep. I don't want to end up paying late payments, and I don't want to pay {$420.00} when I don't owe them. It is a lot of money, and I am unemployed now. It is not fair, and there is nothing I can do. Either I pay them the full amount of {$420.00} in XXXX or wait until it is fixed. How long, no one knows since every time I called. It said 7 business days or 1 month ... why? 
Please help. I feel this mortgage company is not doing its job, and I asked for the complaint department, but they refused to give it to me. I am sure there are customers out there like me ; I want to speak out to the public and hopefully CFPB can help us.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Opened and set up account with Marcus by Golden Sachs in XX/XX/2024 Account was locked in XXXX, unable to transfer money out to linked accounts The bank ( Marcus ) said its because it was funded wrong so all funds need to return to source account ( Chase business account ). I authorised them to do so, bank mentioned itll be 1-3 business days. Called back after XXXX business days as money was not transferred. 
Bank says the transfer was reversed because amount was incorrect, they can only approve the transfer if only the amount that was funded from the source account ( XXXX XXXX ) returns to XXXX and remaining to another link personal account ( XXXX ). The agent calculated the amount that needed to return to XXXX ( source account ). I authorised the transfer ( ACH ). Agent says 1-3 business days. 
Did not receive funds in account, Transfer reversed again, called again and asked for them to close account and have all funds returned. I authorised all funds to transfer to linked account ( XXXX ). Waited XXXX business days, Transfer reversed again. 
Called back XXXX XX/XX/2024, agent says we need to do wire transfer and only transfer parts of it to source account and remaining to linked account ( XXXX ). I authorised the wire transfer, waited XXXX days. Transfer request reversed. 
This has happened multiple time, I called to close account and have all funds returned to me. 
XXXX XX/XX/2024- called as transfer was reversed again. Agent said it was reversed due password change, this was incorrect as I never changed the password. Was on the phone with multiple departments ( security department, front line department ) escalated case to supervisor. The agent on the call keeps telling us that nothing will stop the transfer and is confident that it wont happen again. Requested a call back from herself, and agent refused. I offered options, but bank said they can only keep trying the wire /ACH transfer or send me a cheque, I am overseas, unable to do receive the check. Requested a case to be opened on my account and someone to follow up. Agent refused.

Marcus is holding onto my honey hostage and this has been going on for a month. I have not been able to pay for my bills, expenses.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (GA)

Fraud attempt to process a credit card in my name through Wells Fargo Bank. I have notified Wells Fargo as it was fraud. My credit is frozen so application should be declined. I wanted to report my information is stolen likely due to XXXX data breach.
Consumer complaint received 2024-05-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (WA)

I was going to transfer about $ XXXX on XXXX from the child support card to my main account but decided not to for many reasons. I was not able to use the card over the holiday weekend, they cancelled the card and was not able to confirm exactly the reason. I did not want to transfer funds till after I pay bills next month so they wouldn't be held multiple days during the transfer. Now they cancelled the card, asking me to send photo id, and tell me they cant review my faxed photo id for two business days, charge me for a new card, after they take two days to review my ID. Then they will then send a request to expedite a new card. I wont have access to money so that I can pay bills at the end of the month. They are holding my funds from me, profiting by charging my card and to expedite shipping a new one to me, and refuses to make it a priority so I can pay bills. 

US Bank Card for WA state child support
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (CA)

XX/XX/year> fraudulent transactions were made on my account total amount {$5000.00}. First one in the amount of {$1000.00}, and nine more in the amounts of {$500.00} to a XXXX XXXX XXXX XX/XX/year> XXXX fraudulent transactions were made to nataliea toombs in the amount of {$99.00}. Both times my account was frozen or restricted due to my disputes with no access to it and both times they reported back with no fraud was committed. Im filing another dispute to try and recover funds and due to failure on their part to notify me that suspicious activity was being committed on my account, and to top it off they do not want to return my hard earned money. It is very upsetting, on one of the calls I was transferred 6 times then hung up on.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (DE)

On XX/XX/XXXX i paid for a service from XXXX XXXX XXXX. The service i paid for was not rendered after constant communication with the owner who said his name was XXXX XXXX. I found out his real name is XXXX XXXX XXXX and that many customers and having the same issue as myself. I contacted Credit Karma reporting the issue, disputing the charge and expecting an investigation for a charge back. Credit Karma did no such investigation only saying that XXXX  ( the companies payment processor ) did nothing wrong so my dispute was denied.

Under the Fair Credit Billing Act of 1974, all payment card issuers must offer a chargeback process to remedy fraud and abuse. If a customer brings a valid dispute claim to their bank, a chargeback will result.

Credit karma did not ask me for any information to substantiate my claim and they informed me they would not help me further.

I paid for a service and the service was not rendered this is indeed fraud and abuse! CK did not even attempt to contact the merchant that received the payment.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (GA)

The loan for NEWREZ-Shellpoint is not my loan, however it is mom loan who died in XXXX. I had no knowledge of this loan until years after her death. A little background about me I have not lived in Alabama where the mobile home is located since XX/XX/XXXX ( mobile home was purchased after I left home for the XXXX ). The credit report states that this mobile home was purchase in XXXX, I was XXXX XXXX XXXX with no desire to purchase anything but a car. I am retired XXXX XXXX  XXXX, who currently still works for the XXXX as a XXXX XXXX XXXX  who has never had any plans of moving back home. The loan in question is for a mobile home that was repossessed between XXXX and XX/XX/XXXX. I have called NEWREZ-Shellpoint at XXXX 10 to 20 times a month to resolve this issue but when I have spoken to someone on the phone, they state they have no record of me having an account with their company. I give them my SSN and account number on the credit report and still they say no record found. I have called the whole month of XX/XX/XXXX and have not spoken to anyone yet. I have disputed this issue with the credit bureaus and each time NEWREZ-Shellpoint validates the information on the report. I have never received any mail regarding this property. I am in the process of hiring a lawyer to help me resolve this issue. I just would like to speak to someone so I can have this deleted from my credit report because this is causing problems professionally and personally.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (SC)

XXXXPayment made online. Account was current and XXXX payment was an overage equalling XXXX payment due XXXX. XX/XX/XXXX payment wa {$440.00}, confirmation number XXXX. Payment was applied to principal, not to XXXX amount due. XX/XX/XXXX I called XXXX representative XXXX. to pay remaning XXXX balance of {$440.00}. XXXX took the payment. XX/XX/XXXX payment of {$440.00} -confirmation number was XXXX. I was told the the funds ( two payments of {$440.00} ) would be applied and that XXXX payment was successfully made. As of XX/XX/XXXX my account shows 28 days delinquent and I was assessed a late fee, despite paying entire amount due before grace period.I called Selene finance on XX/XX/XXXX, XX/XX/XXXX and was told the funds were in suspense and would be applied. I spoke to XXXX, XXXX and XXXX ( XX/XX/XXXX ) and was assured by XXXX and XXXX XXXX on XX/XX/XXXX that the payments would be applied and late fee removed. As of this writing XX/XX/XXXX the funds are not accounted for, neither of the XXXX payments made in XXXX are applied to the XXXX balance, and the account shows XXXX days delinquent ', which wrongfully impact my payment history as reported to credit bureaus. There has been no late or missed payment on this account.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

A collection company Midland Credit Management , Inc, is currently sending me collection for {$490.00}. They sent me records indicating that a person called XXXX XXXX ( my name ) with address XXXX XXXX XXXX, XXXX XXXX, MI XXXX ( not my address ) owed this amount and they cite a charge-off date of XX/XX/XXXX. The original creditor is XXXX XXXX XXXX  MCM account number XXXX. This is the latest incident on a serious of issues that began back in XXXX when a data breach at the University I work for happened. I told the collection office about this and they asked me to send a police report, an affidavid, which I did. This was of no use. They still are trying to collect the money. The police office in my university is aware of this as it is the victims services at the university who are trying to help me. The police officer asked me to file this report with you. Just this morning ( XXXX ) the officer at the victims office told me that she had received a word from the police XXXX telling her that I had to file a complaint with police in the city I live. Which I will do.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX NJ XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

Subject : Formal Complaint Against SoFi for Unresolved Transaction Dispute Dear CFPB, I am writing to formally file a complaint against SoFi regarding their failure to resolve a dispute concerning transactions on my account. My initial dispute was submitted on XX/XX/scrub> 2024, and despite multiple follow-ups, the bank has not provided any valid information or meaningful updates. 

The transactions in question were acknowledged by the merchant, XXXX XXXX, as erroneous, and they advised me to seek resolution through my bank due to their system limitations. I have provided all necessary documentation to SoFi, including emails from XXXX XXXX  confirming that the transactions were due for refunds. 

However, XXXX has failed to take appropriate action or communicate effectively regarding the status of my dispute, which should have been resolved by XX/XX/year>2024. This has caused significant inconvenience and financial hardship. 

I request the CFPBs assistance in resolving this matter promptly. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TN)

Hello this account was originally with XXXX XXXX and the debt was originally $ XXXX and I set arraignments and paid the debt down to {$700.00}. When it came down to me paying I couldnt get a hold of the right dept to make the payment because XXXX XXXX had some internal departmental changes.After these changes, when I called to make my payments no one could locate the account and the next thing I know I get an email from XXXX XXXX saying they sold my account to Spring oaks capitol for {$1000.00}. Fees was waived. I was making payments, before internal changes, faithfully and I paid original balance down to {$700.00}. I am disputing the balance XXXX XXXX sold off to XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TN)

Contacted Citi Bank regarding a letter I received in the mail saying they needed to verify my account information for my newly opened credit card with them. Called number provided and went through automated system just fine verifying the correct account with my personal information and security questions. Once I was transferred to a customer service agent, she asked for my name and phone number. I told her why I was calling and then she asked if I have another phone number to provide so they can verify me. I said no, just the one I am using and is listed on my account. She stated they need a different number not listed on the account ( which makes zero sense ). She then said they could contact my work for them to verify me, I told her I do not feel comfortable with them contacting my employer as it's none of their business who I having banking services with. She then asked if I have credit cards somewhere else, I said yes. She asked for the full card numbers. I told her I will give her the credit card company name and last 4 digits, but that I do not feel comfortable giving her my credit card information for cards not associated with Citi. She then asked for my checking and savings account numbers, again I said no. I asked if she could verify me any other way? I already have the card and the only transaction initiate was a balance transfer nearly a month ago which still hasn't went through. She said she would send me a letter in the mail and that I'll be asked to provide a reference. I asked what kind of reference, she said anyone. So I need to just list a person I know and their phone number and you will call them to verify my identity, she said yes. I asked if I could cancel the balance transfer, she said not without verifying my identity. I told her I a more than happy to provide documentation such as social security card, driver 's license etc so they can verify me and she no, the only way now is with the letter and reference. I have never in my life heard of such insane " fraud protection '' procedures. What sense does it make for me to provide a phone number not associated with my account to be verified and shouldn't they have verified me before approving a credit card? In the meantime I have zero access for using the credit card or processing a balance transfer which was the sole purpose of me getting the card.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

Subject : Request for Goodwill Adjustment - Account Number : [ XXXX ] I am writing to you as a valued customer of Flagship Credit Acceptance, regarding my account with the account number mentioned above. 

I have been a loyal customer of Flagship Credit Acceptance since XXXX and I appreciate the services and support provided during this time. However, I encountered some financial difficulties that resulted in a late payments in XXXX, XXXX, XXXX, XXXX in XXXX and XX/XX/XXXX on my account.

I

understand that maintaining a positive payment history is crucial, and I take full responsibility for the situation. Due to the unforeseen circumstances, I was unable to make the payment on time, leading to the late payments. I am writing to request your understanding and consideration in granting a goodwill adjustment for the negative mark on my account. The remarks should not have shown as late because extensions were put in at those times. Also I tried numerous times for the late payments to be deleted with no avail. I assure you that this was an isolated incident, and I have taken steps to ensure that my payments are made promptly in the future. A positive adjustment on my account would not only improve my credit standing but also reaffirm my commitment to maintaining a strong relationship with Flagship Credit Acceptance. I appreciate your time and attention to this matter.
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

Subject : Request for Goodwill Adjustment - Account Number : [ XXXX ] I am writing to you as a valued customer of Flagship Credit Acceptance, regarding my account with the account number mentioned above. 

I have been a loyal customer of Flagship Credit Acceptance since XXXX and I appreciate the services and support provided during this time. However, I encountered some financial difficulties that resulted in a late payments in XXXX, XXXX, XXXX, XXXX in XXXX and XX/XX/XXXX on my account. 

I understand that maintaining a positive payment history is crucial, and I take full responsibility for the situation. Due to the unforeseen circumstances, I was unable to make the payment on time, leading to the late payments. 

I am writing to request your understanding and consideration in granting a goodwill adjustment for the negative mark on my account. The remarks should not have shown as late because extensions were put in at those times. Also I tried numerous times for the late payments to be deleted with no avail. I assure you that this was an isolated incident, and I have taken steps to ensure that my payments are made promptly in the future.

A positive adjustment on my account would not only improve my credit standing but also reaffirm my commitment to maintaining a strong relationship with Flagship Credit Acceptance. 

I appreciate your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (IN)

I am part of the XXXX XXXX XXXX XXXX XXXX  group. I was supposed to have all of my loans XXXX by XX/XX/24. They have refused to get the loans off of my account, the loan service account, and my credit