davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (AL)

I file bankruptcy in XX/XX/2021 and it was discharged in XX/XX/2021. BMO Harris Bank continues to report to XXXX that I am deliquent on the loan and repo. This lender was placed in my bankruptcy and should not be being reported at all. It has caused me to be denied a loan.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My soon to be ex-wife who XXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Other — 
Company: BMO Bank, N.A. (CT)

I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. 

XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. 

When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

I, XXXX XXXX, am filing a complaint on Cash App who is defaming my reputation causing harm with slander that has caused emotional distress. I opened a checking account with Cash App XX/XX/XXXX. My Cash App account was always in good standing. My account was closed XX/XX/XXXX, by deactivating my account. I had direct deposit with my employer to Cash App and this caused me to not be able to retrieve my funds and accumulate multiple late fees with my bills as I had to change my banking information with my employer. The reason that I was given by Cash App was account history, transaction disputes, or other possible violations. Regarding this information, I have always brought in over {$5.00}, XXXX month from my employer, I have had three disputes in three years, which even with proof, Ive been denied, and I had no violations. I did not have overage on my account, my account was in good standing. I know this was retaliatory because I advised Cash App that I would be filing a complaint against them with the Consumer Finance Protection Bureau when they were messing up a lot of peoples accounts, including mine. Per the Federal Trade Commission, I would like the reasoning behind closing my account before seeking legal consultation for defamation and the stress from having to change banking information accruing late fees. I am requesting proof of what Cash App is claiming of me, yes this is me, the next step is an attorney for defamation!
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (UT)

This is a follow-up to a complain that was never resolved but somehow was closed. Complaint ID # XXXX I called Cornerstone Mortgage in early XXXX to get a modification started after a covid forbearance due to loss of income. I called again a week later to confirm that they had received my modification packet in its entirety which they said they had and it would take about 30-40 days for outcome. Then they re-directed me to be put on a deference due to an error on their part. I was told my streamline flex modification would then be expedited!. I have called so many times that I can not count and the reps state anything from " my loan was not currently started on for modification but has been accidentally closed!!! '' to " you are back on deferment '' to " we are working on your modification still ''. ( I am usually on hold 60 minutes to reach loss mitigation ) My single point of contact has no idea what is happening and patches me to loss mitigation. She at one point stated the request for modification has been closed and must be restarted. This is absolutely ridiculous. They have no clue what is happening. I need a resolution not a empty promise of a resolution. I have called at least 15 times since this started with no resolution. Again, this modification started in XXXX and it was confirmed that the package was complete. It is now the end of XXXX. I have no way to get in contact with anyone who knows what is happening. 4 months has past and I need someone from CFPB to intervene please. I am desperate.
Consumer complaint received 2024-03-12
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)

When I investigated my credit report, I realized 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 these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I believe I am a victim of Loan Churning from PHH Mortgage Company. I have signed a modification dispite that I have not three consecutive payments payments I signed a modification out of distress just for good faith practice on my behalf. After I signed the paperwork I sent it back in a timely fashion as a matter of fact I overnighted the paperwork through the USPS, I have submitted the receipt for that I also have noticed that they continue to try to force me into New modifications when there is no reason to because I am paying. My loan started off at XXXX it's now 140k. Please help me I am paying them.
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (NC)

On XX/XX/21, I applied and was approved for a SoFi personal loan. I used a referral link that gives me a {$310.00} sign up bonus. However, it's been almost 6 weeks and I still didn't get the bonus. I reached out to SoFi customer service via chat to inquire about the bonus. I was told that because I don't have a money market account with them, i'll have to add an external checking account to get the bonus deposited to, which I did. Few days later, I chatted a gain to see if theres any updates, I was asked again about the money market account, I repeated the previous conversation again, opening and/or having a money market account is NOT a requirement to get the personal loan bonus. The agent said that she marked the ticket with that information and that I've already added an external checking account as instructed. I just chatted again today with SoFi and it's the same conversation all over again. Same thing for the person who referred me, she was told to add an external checking account, which she did, and still didn't receive here referral bonus of {$300.00}.
Consumer complaint received 2021-12-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper Mortgage : Refinance XXXX XXXX : Closing date : XX/XX/2021 My escrow balance was {$6100.00} ... We signed escrow transfer authorization for them to transfer our escrow balance to the new loan with Mr. Cooper. A debit of {$5400.00} was taken from my escrow account and balance sent to me. Instead of transferring my escrow balance to new loan they used it to pay down the old loan. We did not authorized to do this. Closing cost : Sec XXXX : Initial Escrow payment at Closing : A total of {$9200.00} was included in my loan to cover escrow due XXXX 2021. A credit of {$5400.00} was never put in my new escrow account and it was not sent too me. My total escrow balance should have been : {$15000.00}. This was enough to pay my taxes and insurance of {$9600.00}. Since the {$5400.00} was never put in my new escrow account I now have a negative balance of {$200.00}. I have contacted Mr. Copper and each department is blaming the other for the mistake. I have letter dtd XX/XX/2021 from XXXX XXXX, XXXX, XXXX. saying they did transfer the balance to new account, but can not provide any proof of credit.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, 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)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXXXXXXXXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Services, Not Elsewhere XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cr Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (WI)

I was contacted by Key 2 Recovery about an unpaid dept from XXXXXXXX XXXX. I have never attended in person or online schooling from them. I graduated college in XXXX and have been in the same field of work for XXXX years. I explained this to them. 

Reference XXXX XXXX
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Please be apprised that LVNV Funding LLC are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. This company completely ignored my validation. You proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the XXXX mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " XXXX XXXX XXXX XXXX legally means that you had a duty to speak but failed to do so therefore within the XXXX period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Consumer complaint received 2021-12-16
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. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NY)

This is the second attempt I 've made to use XXXX XXXX and I can not get paid when I NEED my money because Wells Fargo continues to fail to update my balance this is really unfair and I am considering dropping them because of this. This is the second time I 've stated my complaint and still nothing has been done about it. XXXX XXXX app is showing a balance I had on my account earlier last week. As of right now it is showing {$240.00} when in actuallity only {$12.00} is available even on the Wells Fargo app my balance is incorrect ... such a disappointment. Please fix it this time.
Consumer complaint received 2022-11-07
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. (MD)

I received my reinvestigation back from Experian, XXXX and XXXX regarding this account : XXXX XXXX XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX  comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (VA)

This is an issue with Sierra Pacific Mortgage Company. 
I was contacted by my county that my XXXX real estate taxes were not paid and now in collections. I contacted XXXX XXXX in XXXX to question this situation as they were responsible to pay them out of my escrow. I was told it could take up to 2 weeks for the investigation and I would be contacted. After the 2 weeks was up I contacted them again and at this point I was told they concluded they were at fault. They told me they were going to overnight the check and there was nothing I had to do. That proved to be completely false information. I contacted my county and collection agency to see if it was rectified which to my surprise it wasn't. I contacted them again and had to explain everything over again, once again told they were handling this ASAP. Well they didn't... I contacted them numerous times since, asked to speak directly to supervisors which once again required the entire story and they would " look into it ''. All asking me to submit paperwork again that I had already submitted. I asked them numerous times to give me something in writing stating they had sent payment out all of which was denied with explanations that was something do not do. I spoke to a supervisor named XXXX who promised me a return call which also did not happen. When I called back again and asked to speak to her I was told there was no way to talk to her but they would put me through to a supervisor .... This situation with me contacting them has happened close to a dozen times. On XX/XX/XXXX I was told once again they were going to overnight the check. Only to call XX/XX/XXXX and be told by a different employee they DO NOT overnight checks ever and best case would be handled by XX/XX/XXXX but if it was going to impact my closing I could contact a lawyer. I have been lied to over and over and over again. This is impacting my credit, impacting me refinancing which will put me right back in this circle of frustration with this untrustworthy, unreliable and fraudulent mortgage company. I had a closing to refinance this property set for XX/XX/XXXX which had to be delayed until today XX/XX/XXXX to give them time to fix this issue which ended up with me being required to pay their fees that were in collection .... Attached is a letter from them dated XX/XX/XXXX saying they would handle this. This has been ongoing since XXXX and as of today at my closing XX/XX/XXXX they still have not paid their fees incurred by their irresponsible actions. I have filed a complaint with the XXXX  which is currently open and communication has ceased on their part. Their only replies were stating that they would contact me ASAP which hasn't happened. They have all my information, they have all the required documents I have wasted hours upon hours talking to different people only to be given the complete run around.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

On XX/XX/2024 I called Mohella customer service to request information on repayment plans for a 10 year standard as well as IBR which are both eligible for the PSLF program. I was informed by a representative that the 10-year standard repayment takes longer to process up to 100 days compared to an income based payment plan which takes 16 days even though the10-year standard plan does not require much paperwork such as tax information for an AGI as does the XXXX. I requested to speak to supervisor and received a call back an hour later. During my conversation with XXXX ID # XXXX I was provided an amount for the 10-year standard as well as the ICR. By comparing the amount the ICR seems to have been s better option because of a lower monthly payment however when I did the calculation online the amount came out to almost double of what I was quoted which was around {$1200.00} a month. Online the amount for ICR came out to over {$2500.00} and the Standard payment option was for 27 years rather than 10 without any option to change the length of time. I called the call center back at Mohella to speak to representative to obtain accurate information or discuss why there was such a difference from what was quoted via phone by a representative versus the online calculator and did not want to submit a request to only find out later that it was a higher amount. This would only delay the process. I called numerous times and got dropped off and when I did reach a representative I was told that I would be transferred to someone who was more skilled to answers this questions but got hung up on again. I eventually reached a rep named XXXX who I was on the phone with all afternoon only to find out that she did not know the reason why the amounts were different and I would need to speak to a supervisor at a resolution call center to obtain accurate information. We waited for over three hours and eventually she told me I would receive a call back ( true ) and could pick a time for a call back ( false ). She transferred me to an automated system and before I could input in my phone number the call was dropped. I am beyond frustrated how these student loans are being handled and the inaccurate information that is provided which only leads to significant issues down the line when applying for PSLF.