davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc. (CA)

On XX/XX/21, I set up an online bill payment through the bill pay platform on " SoFi Money. '' The amount for the bill payment was for {$1400.00}. The date I selected for the electronic payment to be " delivered by '' was XX/XX/21. On the confirmation page when setting up the bill payment, it was indicated the funds would be withdrawn from my account on XX/XX/21 and that the payment would be delivered electronically to my XXXX credit card on XX/XX/21. 

On XX/XX/21, the bill payment had not credited to my XXXX credit card. I contacted XXXX and they said they have no evidence that any payment was received by them. I contacted SoFi and they said that the payment had been delivered, but to just wait and that it will " definitely '' be posted for XX/XX/21. 

The next day, XX/XX/21, the payment still had not posted to my XXXX credit card. I contacted XXXX and they said they still had not received any payment and that I would not begin to incur interest charges. I contacted SoFi and was told that the payment was delivered XX/XX/21, even though on XX/XX/21, it still had not posted. They told me to wait another day but that they were aware of a " problem '' that sometimes caused payments not to deliver on time that was " out of their control. '' On XX/XX/21, the payment finally posted to my XXXX credit card with a post date of XX/XX/21. 

On XX/XX/21, I concurred a finance charge on my XXXX credit card. I contacted SoFi to ask to be reimbursed for the finance charge due to their failure to deliver the bill payment on the promised time. The customer service rep refused to offer any reimbursement and said that it was not their fault and continued to make nonsensical excuses. Even though on XX/XX/21, the funds were deducted from my account, they absurdly attempted to justify that it was not their fault that the electronic payment was delivered late. They made plainly false statements that the payment was delivered on XX/XX/21, but in fact it was not and I told them I could prove it. They did not care and refused to offer me any compensation. 

The issue I have is that SoFi Money is making false promises to " deliver '' electronic bill payments by a specific date, withdraw the funds many days in advance, and deliver the electronic bill payment late. Leaving the consumer with late fees and finance charges. I suspect SoFi 's unlaw and fraudulent scheme here is to " hold '' onto the consumer 's cash for as long as possible, as it is in their benefit to have the cash in their possession for longer.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter disputing newly discovered inaccurate items on XX/XX/20. As of today over 45 days later I still have not received correspondence that the investigation has begun. In researching how to dis out these inaccurate items I also discovered my information was compromised in the XXXX data breach. Now more than ever I feel like my information has fallen into the wrong hands. I also learned in this process it is illegal to report inaccurate items. Please help me uphold the law
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NC)

I applied for XXXX insurance with XXXX and initially, they told me an amount that I didnt agree with. However, the agent called me several times and stated that he got my down payment lower and my monthly payment lower as well so I made my down payment and after making the payment, they changed the amount so its been a ongoing issue with XXXX. Going forward, they reported a balance to a collection agency in the amount of {$260.00} because they wanted me to pay a past due payment plus a payment that wasnt even due at that time to keep my insurance policy enforced and I told them I should only have to make my past due payment so my insurance didnt cancel and it ended up canceling and sent my account to collection. However, I told the collection agency I wasnt paying nothing because I had to purchase another auto insurance policy because of the nonsense that XXXX pulled. They collection reported this balance of {$260.00} on the credit report and ruined my credit.
Consumer complaint received 2022-12-31
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)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (IA)

XX/XX/2021, {$25000.00} was transferred to XXXX XXXX ( cryto currency exchange ). This was a wire transfer that was rejected because the money was sent from a different account than what I had registered with XXXX XXXX. Because the initiating funding account did not match XXXX rejected funding my account and is holding my confirmed wire transfer and has not returned the funds per their 10 day policy. Multiple accounts to reaching out by email, service ticket ( XXXX ), XXXX, and XXXX left to no action and funds still have not been returned.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (MD)

I was coerced into buying a time share with company through COMENITY BANK / XXXX LOAN NUMBER XXXX. I have been paying for the timeshare ; but later I realized that I was reported late for payment when I had been paying faithfully, I called them to find out why, and then they told me that a credit card was opened on the account and they ( timeshare company ) uses it to pay for other services, I was wrought because I was not properly explained to me, I told them I did not want a credit card but that it should be closed, and they did close the card and reported me late 92 -120 days, on the card, even though I am paying my monthly time share account religiously and faithfully.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (OK)

I qualify for an increase of my spot me feature. It never increased and i feel something is wrong so i requested a ticket be opened and it be looked into. An agent assured me she opened a ticket, even gave me a fake ticket number but never opened a ticket. Days after waiting on update, i contact chime and an agent tells me he assures me my ticket is open and being worked and I should wait for someone to contact me. Then when I insist on an update he tells me they never had any ticket open for me and he cant do anything to help. I reported this to a supervisor.
Consumer complaint received 2021-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I am the co-signer on a student loan. I called Navient on XX/XX/XXXX on a recorded line asking if they offer lump-sum settlements. XXXX XXXX XXXX XXXX said they do not accept settlement offers but then informed me they offer a full pay-off at 95 % of the total value. I owed {$38000.00} and was given {$36000.00} as the pay-off. We confirmed the amount and the date this offer expired ( XX/XX/XXXX ) and I made the full payment on XX/XX/XXXX via ACH after moving funds from my retirement savings. Two months later I discovered the balance of 5 % was still on the account. I called on XX/XX/XXXX and spoke to XXXX and he went to management and returned to tell me he did not have authority to offer that deal, nor did management want to approve it. He seemingly felt bad that he misled me and acknowledged our conversation when I reminded him it was recorded. Fast forward to today, XX/XX/XXXX, after 5+ hours of multiple calls over the past month, emails, being placed on hold for inordinate amounts of time, I spoke to XXXX XXXX XXXX XXXX, then XXXX XXXX XXXX XXXX and finally XXXX XXXX XXXX XXXX, all from the Navient Office of Consumer Advocates. XXXX reviewed the situation and made me an insulting offer to credit {$180.00} of my balance. I asked if we could together listen to the initial recorded call and she said no, that was the best she could offer. This to me is about principle!
Consumer complaint received 2022-03-23
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. (CO)

I have sent TransUnion 8 requests since XXXX of XXXX, to reinvestigate incorrect items. It is now XXXX of XXXX over a year later and Transunion is SILL reporting these items on my report without any response or validation. Ive included the last letter I sent which was XXXX of XXXX and copies of the three accounts they are reporting inaccurately. 

XXXX Account status " derogatory '' This account is PAID AND CLOSED IN FULL. - Remove this to reflect CLOSED XXXX  - Payment status " Late 120 days '' - Account was paid and closed in full in XXXX REMOVE this to reflect PAID XXXX XXXX- Comments- " Dispute resolved " - This account was never in collections, paid and closed and they never even started an investigation to validate any of the information on this account which is incomplete and inaccurate. REMOVE IT This is a huge problem and I expect that these items be removed immediately
Consumer complaint received 2023-01-01
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. (MO)

XXXX is in violation of The XXXX XXXX that requires financial institutions or companies that offer consumers financial products or services like loans, financial or investment advice, or insurance, need to explain their information-sharing practices to their customers and to safeguard sensitive nonpublic information data. XXXX committed identity theft as I did not receive on OPT OUT notice before submitting my nonpublic personal information to a third-party affiliate Experian. XXXX had a responsibility to provide a clear and conspicuous disclosure to me in writing or in electronic form or other form permitted by the Fair Credit Reporting Act.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Marlette Funding, LLC (AZ)

I have XXXX accounts displaying on my credit report that were not opened or authorized by me. I have sent a dispute letter and police report to have these accounts removed from my credit report. 

In addition, I have the following inquires that I did not approve or request credit. I have filed a dispute to have them removed asap. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested these inquiries be removed as I never authorized them and believe they are due to identity theft I experienced. 

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 2021-03-18
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (NJ)

CB XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute of Alleged Charged Off Account XXXX which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by their company on XX/XX/2021. 
I am yet to receive a response from them, yet this alleged charged off item is still on my credit report I demand you to delete it immediately from all credit reporting agencies
Consumer complaint received 2021-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (IL)

I need help! I had to take out a small loan from PFC in XXXX  XXXX IL a couple of years ago for a few XXXX. They then called me to renew and offer me more money a couple of times than I had an emergency and had to get a payday loan for medical expense and at the same time Mariner Finance bought out PFC XXXX XXXX XXXX  XXXX IL XXXX XXXX. So they refinanced the loan again and added a couple XXXX to the balance which brought it up to around {$6800.00}. I had borrowed from PFC in XXXX IL and never had problems in the past interest was around 30 % but Mariner is charging me a 36 % interest rate daily and I think it is more like 100 % like a payday lender as they did not explain all and my balance is not going down after months of paying {$260.00} mo. My balance on my credit report is going up instead of down. I called today and asked and they said they set the loan up for 49 mo at {$260.00} mo 36 % daily interest, principal {$11000.00} and if I paid off XX/XX/XXXX it would be {$7100.00}!!! I need help getting out of this XXXX XXXX also doing the same charging me the same rate on a $ XXXX loan, the mgrs know each other. My credit is perfect other than the loan from the last recession that fell behind I wrote you about that is still illegally being reported on my reports the IL AG is looking at, but credit score is now XXXX and no one will refi loans at a lower rate because I dont have a lot of credit cards and that one loan still showing after 7 yrs so they are intentionally keeping my score low as I reported all to regulators so they can make me pay subprime rates to get back at me!! Help me please with this!! I am twice widowed, no help, live on one income, and work at XXXX XXXX XXXX XXXX XXXX!! This loan is suppose to be a fix rate loan and it is instead like a payday loan they are gouging me with interest!!!
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Cash App refused to honour his policy of protecting the customer against scam and frauds Cash App had refused to return my stolen/scamming fund for the amount of {$28000.00}. 
Cash App had previously admitted to the loss of my fund but refuse to return the fund back.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

There is an ongoing issue regarding a payment amount of {$5100.00} which includes {$3700.00} plus estimates IRS taxes issued from Wells Fargo Remediation Program. The payment was sent to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XXXX or XXXX of XXXX, after I moved in XXXX of XXXX to current address at XXXX XXXX XXXX, XXXX XXXX CT XXXX. I later learned check was cashed at a XXXX account from information showing on check image along with affidavit sent from Wells Fargo. The check appears intercepted, possibly by a relative with similar name, signature forged, cashed at XXXX. The relative is nowhere to be found. The address sent to was not fully verified by Wells Fargo at the time, I believe claim rep, XXXX XXXX, did not verify. Wells Fargo Treasury Management investigated check, unable to obtain funds from XXXX, closed case out. A separate CFPB complaint was filed in re against XXXX, they replied in part by doing an identity theft investigation, closed out, no resolution or release of funds. Numerous prior CFPB complaints filed against Wells Fargo, reps reply by stating check cashed, even though fraudulently and no funds received. Most Recently, I attempted resolution by speaking with a XXXX in Wells Fargo XXXX XXXX, she refused to speak directly, advised me she would reply to CFPB... Her reply followed previous replies which again, stated check cashed which was fraudulently. I've since spoken with a XXXX XXXX, advised him of XXXX different options for resolution which include reissuing check, if not, correct IRS reporting information for tax year XXXX to show no payment received that year or put me touch with legal department to negotiate a settlement to claim.. I have not heard back from XXXX to date, our last conversation was several days ago, messages left since, none returned.. My preference is check reissue, funds are owed to me for damages caused by Wells Fargo reps opening accounts I did not request including checking/savings, as far back as XXXX. In closing, I wish to bring to the CFPB 's attention, there appears to be an underlying issue which is the remediation program may have ended in XXXX, Wells Fargo appears to be attempting to dishonor their commitment to payment due to program ending.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (FL)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-12-30
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. (PA)

My name is XXXX XXXX. I did not authorize this account. I am a victim of identity theft. I sent XXXX, XXXX, and TransUnion my FTC report along with my License.
Consumer complaint received 2022-12-31
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. (PA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/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 2022-03-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.