davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (CA)

I am on the forbearance program and I see on my credit report that there was a no payment reporting for a month or more. A woman named XXXX from the loss mitigation team said over the phone that I should have incurred penalties unless it's a disaster forbearance and FEMA approved. However, with the CARES act administered by the Biden administration, all past due payments reporting shouldn't be reported to the credit bureau.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
Consumer complaint received 2023-08-09
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. (IL)

I pulled my credit report and noticed several non-mailable addresses. 
To ensure I receive all mail from the United Postal Service i asked that they remove the additonal address and to send me a updated report a couple months ago and they never did it.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company lied about a promotion of not charging interest on my account. I was led to believe that I would have at least 18 months interest free payments on the account which was never the case. Instead they began to charge me interest which led to me discontinuing the account. They also continue to call me, my family, and relatives regarding this issue when I have asked them numerous times to stop.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
Consumer complaint received 2024-04-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SOFI TECHNOLOGIES, INC. (TX)

From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX To : Consumer Financial Protection Bureau Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX To Whom it may concern, Im writing to formally file a complaint against Sofi Bank National Association XXXX XXXX regarding the services provided in relation to my mortgage loan. I would like to bring to your attention the following issues : We originally went under contract on a new home purchase on XX/XX/2024 and was set to close on XX/XX/2024. The loan was locked for XXXX  days. The VA appraiser went out to complete the appraisal on XX/XX/2024. I paid for the appraisal on XX/XX/XXXX and was advise the order for the appraiser was submitted. I got a bit worry because XXXX  days passed without any word on the appraisal report. On XX/XX/XXXX I express my concern on how long it was taking to get an appraiser out there. I was told you can not rush a VA appraiser. I ask if they could find another appraiser to complete it because our rate lock was close to expiring. I contacted Sofi again on XX/XX/XXXX because we were XXXX  days away from the closing date. I was told the appraiser wife was in the hospital and they cant rush the appraisal. The appraiser finally went out on XX/XX/2024 and we were set to close on XX/XX/2024. At that point I expressed my concern again, about the lock extension. I was called that morning of the XX/XX/2024 advising that we would not close today. It was pushed until XX/XX/2024 and we still didnt close then. We finally closed on XX/XX/2024. The lock had to be extended, I requested for Sofi to cover the extension fee {$650.00} due to their delay. At closing they advise they could not cover it and I had no choice but to accept it and close the loan.

These issues have caused me significant inconvenience and distress. Despite my attempts to resolve them through the loan officer, loan processor and management. I have not received satisfactory solution nor proper resolution. As a customer, I expect Sofi to uphold the highest standards of professionalism and service quality. However, the experiences outlined above have fallen short of these expectations. Please acknowledge receipt of this complaint at your earliest convenience. You may reach me at XXXX or XXXX to discuss this matter further. Thank you for your attention to this important issue.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (OR)

My house is up for foreclosure sale initiated by Mr. Cooper. The sale should have never been started. I was in the midst of working with Mr. Cooper on getting government aid to save my home. Mr. Cooper, after I complained to CFPB, said they would cancel the sale when I sent in my divorce decree. Turns out they lied to me and CFPB. And now on top of all this Mr. Cooper is not even my lender any longer. They need to call their attorney and cancel the sale. I contacted the attorney and they said that Mr. Cooper needed to call them to cancel the sale date. I e mailed Mr Cooper but of course got no response. I want to be done with Mr. Cooper. Hopefully this is my last complaint against them.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Relay Financial (US), Corp. (PA)

There were XXXX fraudulent transactions that were happening in our Relay Financial account. 

A partner of mine called me and mentioned that he wasn't the one making them. We automatically called the bank and let them know of what was happening. 

Relay Financial allows any XXXX who has Bill Payer access is able to add a ACH Payment and Make a ACH Payment. Since XXXX XXXX, my partner in these XXXX bank accounts had Bill Payer access, the hacker was able to access the accounts, add payees of choice and make payments. 

Transactions were to XXXX  XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$5000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$9800.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX {$49000.00} ( XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX XXXX XXXX {$10000.00} ( XXXX XXXX XXXX XXXX XXXX  ) XX/XX/23 XXXX, XXXX XXXX and XXXX XXXX didn't go through. 
We connected with XXXX XXXX, from XXXX XXXX and he assisted in freezing account and working on getting the {$29000.00} that were transferred out. He mentioned that we should have it back or an answer XXXX days after incident. I began reaching out every few days to check on status and the bank wasnt responding to the emails and no updates when I would call. 

Reached out to the Relay without responses XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 We have information like ACH account numbers and routing number as well as email for XXXX XXXX. 
Happy to provide any information needed.
Consumer complaint received 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

XX/XX/XXXX I received an email stating that NewRez was going to raise my Escrow to pay insurance with NO supporting reason nor documentation.

I called the third week of XX/XX/XXXX and XXXX  times from XXXX to XX/XX/XXXX. Ive talked to XXXX different Customer Service people XXXX different times and each committed the Escrow error would be corrected.

I sent an email to Customer Service and I sent a Registered letter via USPS to NewRez XXXX and NewRez XXXX 

To date, after XXXX  months, the error has NOT been corrected and Ive received absolutely NO response from NewRez... XXXX!!!!
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

I've had two fraudulent hard inquires on my credit that I did not initiate. One is from XXXX XXXX  on XX/XX/2023 and the other is from JPMCB CARD XX/XX/2023. I have no idea where these come from and did not try to open any new accounts.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (PA)

I've received a letter from Maury Cobb Attorney At Law LLC on XX/XX/XXXX of 2023, regarding to a debt I owe of {$1200.00}. On XX/XX/XXXX, I've sent out a certified debt verification letter to the debt collector to verify the validation of the debt, it has been over 30 days and the debt collector still haven't respond.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (OH)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I have three accounts that are mine and they showed up on my report with a different address attached XXXX. XXXX XXXX XXXX. Extra account and XXXX. Citibank account .These accounts are not mine and I want them removed.
Consumer complaint received 2024-04-22
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: Shellpoint Partners, LLC (CA)

Around XX/XX/2023, my loan transferred to Shellpoint. I was on a forbearance plan prior with my previous lender servicer. New lending company acquired information during our phone call exchange around early XX/XX/2023 in terms of forbearance. Representative said that I didn't follow up with questions afterwards a week after to our first phone call and ding me that I was no on the forbearance plan and has impacted my credit and my co-borrower 's credit. I was told if this can be immediately repaired and fixed and was told no, I asked to speak to a manager immediately and was told management approved the fix however I am seeing my credit has dropped tremendously. Forbearance shouldn't impact my or my co-borrower 's credit based on the XXXX XXXX guidelines.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CO)

Terrible customer support - putting my credit at risk for something I did not ever buy. I bought a ski pass using Affirm and paid it off. A month later I started getting email notifications on a different email address ( not the one I used for Affirm ) that another purchase had been made on my account. When I went online into my account with Affirm I didn't recognize the purchase ( it was from XXXX XXXX - maker of XXXX insulated mugs ). The last four digits of the credit card used did not match mine or those of anyone in my family. I submitted an unauthorized purchase report on XXXX XXXX, XXXX. Soon I started getting notices that Affirm was unable to charge the credit card used for the initial purchase and I owed money. So I called Affirm on XXXX XXXX. Customer support was unable to provide me information on the status of the investigation, but said they were escalating to the team investigating the report who should contact me by email within 24 hours. I received no contact for two days,, and I got two packages from XXXX, so I called back in, spoke to a supervisor, who basically said the same thing, on XXXX XXXX. That day I got two email notices saying someone should respond in 24 hours. Affirm did give me information on how to contact the merchant, but they are even harder to contact ( I've was on hold waiting for someone to pick up for a half hour and gave up ). After a week of no contact from Affirm I called back in again. They say they can not give me the status of the investigation and I can not speak to anyone from that team or any higher supervisor or officer. It seems really unethical to me to provide no information on how they allowed someone to associate a purchase with my account that I never authorized, and then associate it with a completely different email. I suspect their security is terrible.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I had a bank and saving with Wells Fargo Bank N.A, I had several account with them and wrote them to see was I eligible to receive settlement money, my accounts was back when all of this was going on, I tried to contact them using information on their website and was told it was for the employees only which didnt make sense to me, at that time I did give them my old bank account number, I did not get a real answer.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account furnished by XXXX XXXX inaccurate and does not belong to me. This item is a utility in a state in which I have not lived in for over a year. This account is an act of fraud.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (AZ)

When I moved out of XXXX XXXX XXXXXXXX XXXX apartments, I was incorrectly billed after satisfying my full lease per an agreement I signed in person with the leasing manager. After moving out, I received notice that they would be adding a charge to my account that I never agreed to or signed for. I emailed them to notify them that they were in breach of our original agreement and that the charge was not accurate. They ignored me and sent me to collections. I have sent several letters to rent debt ( the collector ) to get the charge reversed but they only respond with an old lease agreement that has nothing to do with the charge they are billing me for. 

This company was entering into apartments without authorization. Many of the tenants were alarmed by the behavior of the new ownership and management company.
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BSI Financial Holdings, Inc. (CO)

We closed on XX/XX/XXXX. Shortly after BSI Financial stated that we owed additional fees and charges to close out the loan. They are holding XXXX the closing of the loan until these additional fees are paid to them. They wont respond to any communication attempts by us the customers nor from the XXXX XXXX 's representative. 
XXXX XXXX XXXX representative said this is the 2nd time in 2 weeks that BSI Financial loan servicer has done this to their customers.

We have to pay the additional fees to see if they will finish their work on the loan. This is causing us extreme financial duress due to their unethical or incompetent actions in servicing our loan. 
This doesnt give any guarantee they wont keep holding us XXXX, nor close out our loan. 

We received multiple different PO quotes from BSI Financial, and each time the costs and fees keep changing, on top of the previous fees. 

If you Contact BSI Financial for Closing make sure that faxes or email, are sent from a law firm. I'm seeking legal council to sue BSI Financial right now. They wont respond to us nor the XXXX XXXX. 

When I call them, i never get through to a person, nor from the general sales rep can I get to anyone that can answer what they are doing with our closing and the reasons for the errors. They have no reasoning for the multiple increases in closing fees. They demanded additional money form the sale proceeds for the escrow that they drained for fees and charges, Also BSI Financial haven't paid the home owners insurance, which they said they paid out of escrow. 

They have a history of causing customers issues. I'm not sure how this company is still in business. 
https : XXXX XXXX can contact me for any closing related documents it may need.