davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

The student loans are parent Plus Loans in my mother 's name, but I pay for the ones taken out for me, and my brother does the same. The loans are serviced by EDfinancial. Back in XX/XX/XXXX, I set up autopay with the same account information I had used to make manual payments during the loan repayment pause. I had been making payments ahead of time despite the autopay setup since I wanted to reduce the interest more aggressively, but also wanted the autopay there in case I ever forgot to pay early. Eventually, I stopped because the portal said I was ahead by a couple of months but would be due for payment again starting on XXXX XX/XX/XXXX. I say this to show that though I had set up autopay in XXXX and everything showed properly on the client portal, Autopay had never been used up to this point. 

The autopay did not work and the account was starting to notify me that I had overdue balances today, XXXX XX/XX/XXXX. I went and checked the portal and the autopay displays everything set up properly, so I was very confused. My solution was to call the company as an authorized user to the account to try and determine why the autopay did not work. They told me not only do they not know why the autopay was denied. Furthermore, even though I just paid the past due amount and resubmitted for the autopay, I was told that the portal is incorrect in telling me the autopay will be enforced in 2-3 business days. I was told to expect 2-3 billing cycles ( 2-3 months ).

I am extremely dissatisfied with the following points here : 1. The call staff were unable to tell me what the issue was and why my autopay did not go through. 
2. I will need to wait 2-3 months to see if the second application will work, even though nothing has changed between the first and second applications for autopay. 
3. The client service portal displayed that the autopay was active despite being told it was not by the call staff, and the confirmation pop-up for resubmitting for autopay instructs the user that the autopay will start in 2-3 business days ( which is not accurate ).

Between the inaccurate website and the lack of information, I find it very frustrating that the loan company is being this difficult with me just trying to pay my loans off.
Consumer complaint received 2023-04-03
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Fortiva Credit Card is charging too much in fees. I pay my bill in a timely fashion ; however, the over limit fees and the short grace period to pay the bills is unreasonable. I advise them that due to the pandemic everyone is experiencing some difficulties, my health insurance has increase by {$230.00} and I told them I have no problem in paying the bill but to charge O/L fee due to the account being a few dollars over due to the high interest rate anyway - which is why you incur the fee. I need them to waive the O/L and late fee. 

I asked to have the O/L fee waive and not to charge such rate during these critical times. 
They want to pressure you into having automatic payment which I am not going to agree to - as if you have an emergency these companies will still snatch your money anyway. 

I advised them of the fee on, apx, XX/XX/2020 and I had other previous conversation with them about their fees.
Consumer complaint received 2022-12-30
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. (GA)

On XX/XX/2021, I sent letters to XXXX, Equifax and XXXX requesting removal of XXXX. XXXX Bankruptcy. I sent with dispute letter information from Northern District of Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions.

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

Also, according to 15 U.S.C. 1681s-2 ( A ) ( XXXX ) : 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. 

15 U.S.C. 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
Credit Bureaus have violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports this is grounds for Removal.
Consumer complaint received 2023-03-24
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. (NV)

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

For several years, Fifth Third 's so-called fraud algorithm has been disabling my card and blocking valid transactions I'm trying to make, but it does not stop any actual fraud. Their blocking of my card and transactions causes me huge trouble even though I call the bank before I make a major purchase or travel and give them specifics so they won't interfere with my transactions. They assure me they will not interfere, but then they do. On one occasion, after I told them pre-departure that I would be traveling in XXXX and they should NOT disable the card if they saw charges from XXXX, they disabled it anyway, stranding me in the middle of nowhere XXXX  miles from the nearest airport so I had to WALK for days carrying my luggage. 
Last year they blocked the transaction when I tried to buy a new XXXX from XXXX, and because they blocked it, I never got the computer. 
Last week when I knew I would be attempting to buy a XXXX again, and a XXXX XXXX, I called Fifth Third and said DO NOT BLOCK MY TRANSACTIONS. 
When I looked online today ( XXXX ) and saw that the XXXX and XXXX transactions were pending forever, and then when I tried to use my card at stores, I discovered my card was blocked by Fifth Third! 
I went to the closest Fifth Third branch ( XXXX XXXX XXXX, XXXX, Florida ). The manager, XXXX XXXX, was rude and ignorant. She did not help me at all and does not deserve to be a manager because she lacks the skills and temperament for it. 
I then had to call Fifth Third, be transferred, and get a code before the hold on my card was released. 
I received no notifications from Fifth Third about the blockage and would not have known except that I tried to use the card at point of sale. 
Fifth Third has created suffering, loss of money, and lost time for me, and they make sure you can't reach corporate. They have a fortress around their corporate officers who create the algorithms and policies that work against customers. 
Fifth Third is not a corporate criminal like XXXX XXXX and other banks, but they are incompetent, and some of their employees, such as XXXX XXXX, are hostile. 
They need to fix their systems so legit charges from customers are NEVER blocked. 
So glad there is a CFPB and that the GOP hasn't managed to defund and ruin it! Email, not phone, is the way to reach me.
Consumer complaint received 2023-03-22
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. (SC)

This account has not been properly verified for inaccuracies. Account Name : XXXX  XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-03-22
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. (NJ)

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
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 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 an account without my written instructions.

15 u.s.c 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate..
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am wrongfully being charged a lender placed insurance. 
I have tried working on this issue from XXXX XXXX with XXXX At XXXX XXXX Loan # XXXX XXXX  then sells my loan to a new servicer Specialized loan servicing at XXXX Loan number XXXX Where they begin collecting the prior fees I call the company to bring this to their attention XXXX told they will make inquiry and I was to cal back XX/XX/XXXX On XX/XX/XXXX I speak to XXXX in escalation he confirms no lapse I requested charge to be removed. He states he is unable to do that
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX XXXX account # XXXX, has violated my rights. 



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

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

***XX/XX/XXXXI placed an order with XXXX XXXX XXXX . I have dealt with this company for many years. 
***XX/XX/XXXX The payment of {$330.00} was paid on my Barclay Bank Visa to XXXX XXXX XXXX . 
XXXX tried delivering the package before the store opened ( new driver ). We asked XXXX to hold our shipment and we would pick it up, they agreed but an employee mistakenly sent it back to XXXX XXXX XXXX. The tea company was going to reship it immediately back to me but it was left in their warehouse by mistake. I then called Barclay Bank to hold the funds because it was approximately two months since placing the order. 
XXXX XXXX XXXX XXXX  reships the order. I called Barclay to release the funds. 
XXXX I called XXXX XXXX to say the order arrived, they said they had not received their money. I assure them that Barclay Bank said they would release they money. I had placed several calls to Barclay Bank asking why it was taking so long to release funds to XXXX XXXX XXXX. 
XXXX I called Barclay after hearing from XXXX XXXX XXXX to tell them they had STILL not receive funds. The representative said he recommends I give them a different credit card because Barclay Bank already refunded me back the money. I them took the advise and gave a different credit card to pay for my merchandise. 
XXXX Barclay charges me for {$330.00}. I call them and they explain they have deposited it back to XXXX XXXX. I tell them what the last person from Barclay Bank advised regarding giving a different credit card so would they please refund my money back to me. He tells me to have XXXX XXXX XXXX write a letter stating their side of things and fax it to Barclay Bank. 
XXXX XXXX XXXX XXXX  sends me a letter stating all the facts. 
XXXX I fax the letter to Barclay Bank . 
XXXX I called Barclay Bank and spoke with XXXX  . He said to wait because it may take time to decide whether they would return my money back to me. 
XXXX I receive a letter from Barclay Bank refusing to return my money and the representative said the returned it to XXXX XXXX on XX/XX/2020. I called Barclay Bank, spoke with XXXX and asked to speak to a supervisor but like the MANY past phone calls I have made, I get disconnected! 
XXXX I called the Accounts Receivable and Credit Manager ;  XXXX XXXX whom I have dealt with all along to ask once again if they received back the {$330.00} as Barclays insists. She again said no. 
XXXX My husband said to call a branch of Barclay Bank  because I was having such difficulty in communication. I called the branch in XXXX XXXX, CA. The man whom I spoke with said, There is no one to speak with, no one at all.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

PayPal - negative {$3600.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3600.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2022-12-30
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. 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. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

Company : Amerisave Mortgage Corp. 
Initial contact date : XX/XX/XXXX Cancelled Refi Process : XX/XX/XXXX Application Fee : {$500.00} which they took immediately Amerisave was supposed to refi my mortgage, but eventually would not take my calls or answer my emails. They initially had no problem taking the {$500.00} app fee ( non-refundable ) and getting my paperwork. After that, very limited communication and then no communication with the sales rep. He eventually emailed me to contact the Processor, who said she was not at my file, at a meeting, or not able to get me any information, week after week. This whole process went on for nine weeks. I finally cancelled on XX/XX/XXXX, and asked my sales rep for a refund of the app fee. He said he would ask his manager, and never got back with me. This company is back to its old bait and switch tactics, as it was in XXXX, Ive learned. They are a scam and just want your {$500.00}, then have nothing to do with you.