davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

I submitted a payment through PayPal to a friend at XXXX in the amount of {$60.00}. She was unsuccessful accessing that account and I was in a hurry trusting PayPal to resolve the issue, so I went ahead and sent another {$60.00} to XXXX, an account she was successfully able to access. I had assumed this would be an easy fix, as you can clearly see on my PayPal activity that the exact amounts were sent to the exact email minus the XXXX suffix. However, after contacting PayPal they refuse to allow me to cancel the transaction and refuse to issue a refund to me. This is their response, " XXXX XXXX We are a user operated service. If you send a payment to an email address or phone number, that is where the payment is sent. 
Think about it from the other side. How would sellers like it if a buyer could call PayPal, say a purchase was an accident and we just refunded it. '' This person I sent the money to is NOT a seller however, and it even asks you if the person is a friend/family member or a merchant/business, in which I obviously selected friend/family. To end their conversation they suggested I speak to her and have her try to get into her account with customer service. Well here we are 3 days later and I sat right next to her as she tried to get into her account with customer service and they refused her access " because they could not verify her identity. '' In closing, I have {$60.00} just sitting in an inactive account that not the person who sent the money nor the person who was designated to receive it has access too and PayPal if refusing to resolve the issue. I have read multiple complaints of people mistyping a single letter only to never have their money refunded and those accounts holding the money most likely doesn't exist. There needs to be an investigation into how many inactive accounts are hoarding money for PayPal 's benefit without allowing access to their rightful owners.
Consumer complaint received 2019-12-17
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: EQUIFAX, INC. (GA)

There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There is a personal loan for XXXX that was un authorized. There was a XXXX  account opened in my name the balance is XXXX  also 2 duplicate medical accounts Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I called Citi and explained 2 days before the due date of the payment that it will transfer late.  The rep said it wasn't a problem but because the fee isn't in the system,  I need to call afterwards to get it removed.  When I got my next statement,  I called to get the fee removed but this time the rep said she would not remove the fee. Since I had no balance on the card except the fee, I told her I will not pay the fee and to close my account.  Next month they continued to put a fee on top of the fee.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-12-02
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: Sunlight Financial LLC (NV)

ON XX/XX/2020 i had a conversation with Sunlight Financial Services. They claimed since i already had existing credit with them that i would be approved. So while extending and adding to my solar system on my home currently they asked to run my credit due to a name correction and nationality correction. After they got my information they then said due to their standards they couldn't not give me a line of credit that i already have with them and ran my credit number or score down. They new this before it was ran because I've been emailing them information and calling them asking questions. They have discriminated against my nationality. Based upon that i age of majority and fully competent they wanted to lower my score making it difficult to get credit. They also saw my identification and used me wearing a Turban to make their decision when before they saw that photo they been doing business with me for two years. They have also placed an illegal lien XXXX XXXX on my property and have never mailed me a copy nor email me a copy.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 
3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. 

Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. 

I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CENTRAL BANCOMPANY, INC (MO)

XXXX XXXX XXXX bank account # XXXX XXXXXXXX XXXX XXXX. I was Charged a {$5.00} maintenance fee for XXXX, and XX/XX/2024. I have two electronic payments of {$300.00} biweekly going into checking account. I have made 20 debit card payments in XXXX and XXXX.
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of Bank of America. They stated that I needed to make a payment on the debt. the debt was over  {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with Bank of America. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.
Consumer complaint received 2019-05-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

I was sold a vehicle that from day 1 had issues. I went into the dealership with specular credit and wasn't giving a choice to select a car. the sales man forced me into the vehicle he selected stating it was the best car for me. the vehicle has issues that are unsafe and can pose a threat not just to me but my family and on the roads as well. the car does this sudden jerking motion when the car is driving or even while idle. the car skips forward and causes your neck to whip lash. this can cause an issue as I can hit the person in front of me unless I have my foot on the brake and emergency break on while at a red light. this I every unsafe for my children and I need this issue resolved as I pay a lot of money on this vehicle and its a car with manufacturing issues when I've tried to speak at the dealer ship they say there's nothing they can do as the car was already sold to me.
Consumer complaint received 2018-09-12
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. (IL)

I submitted a written request for Equifax, XXXX  and XXXX  credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
Consumer complaint received 2019-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

This is in regards to the 10-year loan forgiveness for those in low-paying service jobs, such as social workers. I am alarmed to see in the news that only 1 % of those holding this type of loan are granted loan forgiveness at the end of 10 years, in spite of working in a non-profit and faithfully paying on the loan. Also, when calling with questions, you get conflicting information depending on the agent. Also, when an agent suggested combining two loans into one, there was nothing said that three years of work in a non-profit didn't count because combining the loans reset the clock and the 10 year period started again at year one. Now instead of 10 years the requirement is 13. 

This is an egregious breaking of a contract taken in faith with the government. What is the CFPB doing to correct this situation and will it come to the aid of all those being turned down?
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (CO)

I applied for the XXXX XXXX in early XXXX and applied multiple times due to paying off other debt and wanting to see if the rate would change. I get a message that says I applied too many times. I contact support and am told to wait 30 days. This was on around XX/XX/2019. I wait 30 days and receive the following email from Goldman Sachs " Thanks for your interest in XXXX XXXX. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : You have applied a number of times so we can not verify the information you have provided at this time If you believe this decision was made in error, please re-attempt the application : Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your identity with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired '' Same message as before the 30 days. I ask them to open an investigation into whats going on with my apllication and get no solutions or suggestions. Just " Try again '' type mentality.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX {$0.00}
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

years. In XXXX of 2019 and was sent a default notice. mind you-i made my payments online but their representative had keyed my checking account number in wrong by adding another number to my checking account. This was told to me after i questioned the default notice. i was very upset and questioned the various amounts of money that went out from my bank ( XXXX ) and wells fargo ( which the payments were listed ). 
Some of the payments reflected missing payments which shouldn't. I don't see why i have to make up the payments when it was the representative 's mistake from wells fargo. i have never had this mistake at all. Everytime i call in-i get the same response and my husband feels that i didn't make said payments. What can be done? I also am fromthe state of teexas and this happened during the time of the storm ( Tropical Storm Imelda ).
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC (MO)

XX/XX/XXXX Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.
Consumer complaint received 2019-12-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (MO)

To whomever it may concern : Thank you very much for taking time from your day to help. 

I have disputed this several times. 

An administrative forbearance was approved for 7 separate accounts from XX/XX/XXXX - XX/XX/XXXX and a General Forbearance was approved for the same 7 accounts from XX/XX/XXXX - XX/XX/XXXX. During this time period several late payments were reported. 

FedLoan Servicing initially failed to update current contact information ( upon MULTIPLE requests to do so ). 

I stumbled on this and it seemed to accurately depict my current situation. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 



Yours truly, XXXX XXXX
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (RI)

Putting aside the fact that I've been paying on this predatory loan for about 13 years with minimal balance impact, Nelnet has hit a new low in my opinion. They are providing Covid-19 interest " relief '' until XX/XX/XXXX. Normally, approximately 6 % of my monthly payment goes towards interest. However, I noticed on XX/XX/XXXX they applied over 30 % ( {$110.00} ) of my normal {$300.00} payment towards interest. Basically collecting the interest from the " relief ' period in a lump some. They are deceiving the public into believing they are trying to help when they are not, and restructured my payment without my consent. I would love for the CFPB to investigate mine and other students payment histories. I'm sure it's teaming with examples of unfair or deceptive practices. How long are we going to let companies like Nelnet exploit our youth and trap them in a debt cycle well into their adult years? I've paid so much money to these people, it's sickening. Never missed a payment, yet by balance goes nowhere.