davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC. (FL)

I took a personal loan for XXXX in XX/XX/year> with an interest rate of 12.47. I called SOFI to get a better rate after they sent me a preapproval for a lower interest rate. I asked them to recast my loan after making a lump sum of XXXX. The 1st account manager told me she could not give me a rate and term until after I made the payment on a recorded line. I explained to her that I was NMLS licensed and I was confused as to why I couldnt get the rate terms or payment. I asked to speak with the legal department and was refused. I made the payment and waited for the portal to update. The outstanding balance was updated but not the rate term or payment. I called back and spoke another account manager and they transferred me to a supervisor who then told me that the interest rate was to remain the same as for my request it was denied. I still have never received any documents stating that a denial was issued. I called back again today to confirm what my new payment would be. The AM said I needed to respond to a secure email to re amortize the loan. I explained to her that a payment of XXXX. On a loan balance of XXXX was outrageous and she said again on a recorded line that she was unable to give me the payment and I would need to wait yet again for the payment to be adjusted. To be clear the previous supervisor I spoke with a week earlier was also unable to calculate the payment. I then explained the interest rate, current term 7 years and outstanding balance would equate to roughly XXXX using the information provided by her. She agreed yet did nothing. My payment has remained unchanged. I decreased the loan with additional lump sum payments and the additional payment was not applied to principal alone. It was also applied to interest yesterday. The process is very deceptive to say the least. There is no licensed person to speak with to discuss rates and terms. I am not understanding why SOFI is permitted to operate in a manner that violates the very basic rules of fair lending. I have perfect credit and an XXXX credit score. I am NMLS licensed. I would be remiss not to mention my credentials and credit worthiness. If SOFI can take advantage of me, I can not imagine what they get away with the general public.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NC)

Someone rented an apartment in my name using a photo of my license and my social security card. They created fraudulent paystubs to verify income. And received an eviction with an almost {$10000.00} balance. I have used Experian Dispute Center to dispute this multiple times, to no avail. I also contacted the apartment management multiple times to dispute this as well. The signature does not meet mine, as I also moved into my own apartment around the same time.
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (PA)

AssetCare LLC Accounts opened in the amounts of : {$800.00}. 

This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. It's has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2023-03-13
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (TN)

In reference to Case # XXXX XXXX XXXX XXXX XXXX " We appreciate your recent inquiry regarding a wire transfer of {$25000.00} that you informed us was from your XXXX XXXX  going XXXX a XXXX XXXX account XXXX Unfortunately, we are unable to provide any details of the matter as you not authorized on the XXXX XXXX account the matter would be in reference too. We recommend continuing working with your financial institution regarding any recalls of a wire transfer or investigation details that would be relayed to your financial institution or TD Bank XXXX in which was the instructing bank. We identified no XXXX XXXX error regarding the wire operations. '' I am requesting that TD Bank investigates the destination of the funds sent to its intermediary XXXX XXXX account as these funds were never debited to my TD BANK account.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I made a change in my homeowner renewal policy. The mortgage co paid the premium on the cancelled policy, and then again on the new policy. This resulted in a " double '' payment of insurance affecting my escrow balance. As a result, NewRez increased my monthly mortgage payments. I was instructed that upon receipt of the refund from the cancelled insurance policy, I was to contact NewRez, make the payment to my escrow account, and in return, they would do an " escrow analysis '' to reduce my monthly payments. I followed their directions and my payment of {$3700.00} cleared my bank on XX/XX/2024. They have failed to adjust my payment downward yet accepted my money. 

Since returning {$3700.00} back to my escrow, I have had to make XXXX monthly payments they are much higher than usual. I have called countless times for a status on the " escrow analysis, '' only to be told it takes XXXX days. That was months ago. Even after elevating my concerns to a supervisor last week, as of XXXX, they still had not completed the escrow analysis and had no explanation why it wasn't getting done. I was told yesterday to " hold off '' on making my XXXX payment until they can " try '' to get it expedited for me. Well, I want to pay my bill. I have excellent credit and should not be forced to wait. 

In short, NewRez has accepted my money and has failed to adjust my mortgage payments as promised. I am getting nowhere in contacting them and have made almost a dozen calls begging for assistance. If they are refusing to adjust my payments downward, they should refund my money immediately, with interest! 

Thanks in advance for any assistance you can provide.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested information regarding the account Capital one XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (DC)

On XX/XX/year>, I attempted to make a cash withdrawal from an ATM terminal at XXXX XXXX XXXX in XXXX. The available amount I could withdraw kept changing on the screen and finally my attempted transaction was abruptly cancelled. I did not receive any record of the attempted transaction or cancellation from the ATM. 

On XX/XX/year> I noted an unauthorized ATM withdrawal from XXXX XXXX XXXX of {$280.00}. I immediately contacted SoFi who said the charge was pending and to call back if and when it is authorized. The charge was authorized on XX/XX/year> and I launched a dispute that day via telephone. 

On XX/XX/year>, SoFi emailed me a denial letter without giving me an opportunity to submit supporting documentation. On XX/XX/XXXX, I emailed SoFi requesting to submit documentation to support my claim which they granted. On XX/XX/year>, I emailed SoFi a cover letter outlining the unauthorized charge and included four documents in support of my claim. 

The four documents clearly show the merchants charge of XXXX is fraudulent. The merchant used an erroneous authorization date of XX/XX/year> ( I arrived in XXXX on XX/XX/year> ) and a bogus dispensation claim of {$280.00} which I never received. 

On XX/XX/year>, SoFi issued a final denial of my claim. On XX/XX/year>, I requested a copy of all supporting documentation used to deny my claim. On XX/XX/year>, SoFi sent me two attachments that allegedly support their denial of my claim, however, I havent been able to open these attachments. Thats when I decided to file this complaint.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (OH)

Truist Bank I opened a checking account with Truist on XX/XX/year>. However, on XX/XX/year>, I received a letter informing me that they were closing my account due to what they deemed as unusual activities, though I'm perplexed as all my transactions were legitimate. Despite my attempts to resolve the matter over the phone, Truist insisted that the only recourse was to visit a branch. Unfortunately, the nearest branch is a XXXX XXXX away, making it impractical for me to retrieve my funds in person. Consequently, I am requesting a check to be sent to my registered address, but this option was not made available to me. Thus, I am submitting this claim in the hopes of finding a resolution to this issue.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (MS)

On or around XX/XX/2018 I pulled my credit report. I had been alerted that I had a creditor in the name of Aldous & Associates, P.L.L.C under the Derogatory Marks. I immediately clicked on the company info and retained a phone number, I called the company to inquire about what this debt was about? They had indicated that I had a gym membership with XXXX that had not been fulfilled. I indicated, your company must have a mistake because I have finished the 12 month contract and I also have an email where I cancelled membership, I emailed the company to cancel membership as directed to by a XXXX employee. They were nice at first and requested I send them a copy of the email, I did. a couple days later I followed up, the representative I was speaking with indicated they verified the email with the company and indicated they were told this was an improper way to cancel membership and would not be valid. He then proceeded to request payment. I indicated there was a mistake and I would contact XXXX personally. I then proceeded to call XXXX, they indicated they have since turned my account over to Aldous & Associates and would need to make contact. I then proceeded to call Aldous & Associates back and request a copy of the original contract that was signed. They indicated I would need to send a letter in writing. I then proceeded to send formal, certified letter to the company. The first letter was on XX/XX/2018 I had no response. I then sent another letter to the company on  XX/XX/2018, also certified. within these letters I informed the company they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure " notice of dispute '' within 30 day period and the company is reporting inaccurate information to the credit bureau. I then received a letter from the company on XX/XX/2018 showing the account is " Verified '', Since this began in XX/XX/XXXX I have been on a constant monitor of my credit report and after several attempts with Aldous and Associates they have yet to remove the inaccurate information from my credit report. I then proceeded to send a third letter on XX/XX/XXXX and still to date have not had another response from the company besides phone calls all day long requesting payment. I have looked at my credit report every month and they continue to report inaccurate information, even after violating the Fair Credit Report Act. I have certified letters, bearing signatures signed for them and have copies of my credit report to verify all information listed above.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX USAA FEDERAL SAVINGS BANK Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A review of my credit report from XXXX indicated that a vehicle loan from the lender Capital One had some incorrect information in it. 

First of all, there is a 30-day past due payment notice which is incorrect. At no time, was a payment past due beyond 30 days. A payment register from Capital One proves that information of being 30-days late is incorrect. XXXX as a credit reporting agency has the same information that I have but has refused to correct this notice. It should be presented that the regular monthly payments were always due on the XXXX of each month. The payment register from Capital One will indicate a payment was made on XX/XX/year>. In that regard, a payment to be made by XX/XX/year> is not 30 days late when a payment was made on XX/XX/year>. 

Second, the credit report indicates there is 'ND ' as in no data to report for payments in the month of XX/XX/year>. Again, the payment register from Capital One indicates a payment was made in XX/XX/year> but XXXX has refused to correct this error. The payment register from Capital One will indicate a payment was made on XX/XX/year>. 

In reference to these two issues, XXXX has had XXXX disputes or opportunities to correct these errors but they have not even though the information I have was downloaded from my account within XXXX.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NE)

During the week of XX/XX/XXXX, my husband asked me to fill out a credit card application for him for an American Express Platinum business card. The app was done on line, using his name and business. However, when I received the card it was made out to me instead. This was not a preapproved form. This was from their website.

I have been trying for 2 days to fix this.

I was transferred to 10 different people.

I was told I used the wrong phone number to reach them and then they gave me the same phone number I had dialed.

I was told the name couldn't be changed for 6 months.

I had to explain the problem to each person and then I was told I had the wrong department I was asked my social security number and my husbands several times and then they would transfer me.

The last 3 people I talked to I told them I was fed up and just wanted to cancel the card, and they would just keep transferring me. I finally hung up because he was going to transfer me again.

The card had an offer of XXXX miles but that ended on XX/XX/XXXX.

And I still have to figure out how to cancel the card so I am not billed their fee., I have never had such horrible customer service except maybe from XXXX XXXX .

In completing this form it asks if someone else is involved and are they an additional card holder or is it a joint account. It is neither, it was to be a credit card in his name only.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (MI)

I was given a high interest loan for an overpriced vehicle. The dealership also added an impractical cosmetic coverage plan that I haven't used. The company I financed through doesnt offer refinancing. I have been unable to refinance through other sources due to the vehicles age, and the vehicles value decreasing at a rate faster than what my loan balance has decreased. I currently owe nearly {$4000.00} more on my loan than what the vehicle is valued. Im unable to view my contract online or get info from the phone number provided. I was told I would be able to refinance after getting my credit score up, which I have done, but unable to as mentioned before. My loan, started on XX/XX/2021, amount was {$21000.00}, payments {$560.00} a month, a XXXX XXXX XXXXXXXX, Ive made XXXX on time payments, and still have a balance of {$11000.00}. The dealership also had me sign a lemon law agreement, knowing that were issues with the vehicle that were not stated and/or understated in the vehicles history report.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

As I investigated my credit report, I found out that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts I mentioned : XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2018-08-14
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. (CA)

I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( XXXX, Equifax, XXXX ), as well as the secondary companies XXXX  and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting Act " Capital One '', " XXXX XXXX '' has violated my rights. 

Under 15USC1681 section 602 states I have the right to Privacy 15USC1681 section 604a section II states a consumer reporting agency can not furnish an account with my written instructions Under 15USC1666B states A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MN)

XXXX XXXX XXXXXXXX XXXX XXXX included my expunged criminal record in a background check. Initially, the representative tried to blame the county for providing the information, but after speaking with a supervisor they admitted that they had gotten the information from their own database that was never updated. In addition, the name of the charge was incorrect and so was the level of the offense. After working for 8 years towards an expungement it was incredibly traumatizing and embarrassing to have this dredged up again. While I have been assured they will review my dispute and report the correction to my possible employer, this may take up to a month. The employer in question may need to hire someone else in this time, and even if I am hired it is extremely embarrassing to have this issue. This has been a huge financial and emotional burden. Finally, I this company has asked that I fax them all the needed documents putting the burden of proof on me. I find this unacceptable as XXXX XXXX   XXXX XXXX XXXX is the one providing false and out of date information.This company is currently reviewing my dispute, but in my opinion, irreversible damage has already been done.