davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I had XXXX to wire Select Portfolio Servicing, XXXX {$12000.00} to pull a family member 's home out of foreclosure, but XXXX neglected to place the XXXX  properties account number in the wire processed. I realized the account number of the XXXX  property was missing on the wiring paperwork and went back to XXXX and the XXXX requested a reversal of the funds. Unfortunately, the wire was received by SPS, XXXX and it was applied to a mortgage loan of a home I own .... I learned this by calling SPS, XXXX and they confirmed that the {$12000.00} was applied to my next monthly payment and the remainder was applied to the principal. I explained the error/neglect on the part of XXXX  and the SPS, XXXX representative said that the wire would be reversed on XXXX XXXX, 2024 ... SPS, XXXX had not reversed the wire of the {$12000.00} so I requested documentation that the monies would be wired by to my XXXX  account . I received the letter dated XXXX XXXX, 2024 ... ( 1st paragraph ) " SPS has received your wire reference number XXXX in the amount of {$12000.00}. We are notifying you that this is payment will not be applied to the account ( the mortgage of the home I own ) for the following reasons : The check is being returned per customer request. Please check with the financial company that issued this payment for the status of these funds ''. I have called an spoken to SPS, XXXX many customer service representatives, XXXX supervisors ( XXXX XXXX and XXXX who sits next to XXXX ) and XXXX ombudsman ( XXXX and XXXX ) as i escalated my efforts to get my money returned to my XXXX account to no avail ... after many many calls and more recently daily calls... all calls allegedly recorded by SPS, XXXX by pressing buttorn or giving verbal ok to record .... I have NOT received my {$12000.00} back into my XXXX account
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

I have a fairly recent auto loan through Santander Consumer USA. They have presently blocked me from ACH payments in favor of fee-only options. The due date is the XXXX of each month. The first payment was due on XX/XX/XXXX. I attempted to set up ACH transfer from my bank that has a XXXX digit account number. The first attempt was on XX/XX/year> with a XXXX time payment. This was not able to be processed according to their systems. It is possible I mis-typed an account number. On XX/XX/XXXX I attempted to set up a recurring automatic payment using the same external account. According to what I saw it was set up correctly. I contacted Santander on XX/XX/XXXX when I noticed that they did not remove the funds from the external account. Santander did not provide any notice that the automatic payment set up on XX/XX/XXXX had not been successful. The customer service agent I spoke with was able to successfully process an ACH transfer using the XXXX digit account number. The same customer service agent stated they cancelled my automatic payment, deleted the information from the system and told me to try setting it up again at a later date. 

I attempted to pay my loan installment on XX/XX/XXXX. There was no option for ACH transfer. No notices were in my account about why there was not the option for that. I had not received any communication from Santander about being denied XXXX transfers. I called XXXX times on XX/XX/XXXX. The first time I was told that a system update in late XXXX had cleared people 's automatic payment information. The second time I was told that the payment had been returned as insufficient funds. I called my external bank and confirmed that there had been no insufficient funds returns on the account used to pay Santander. On the XXXX call I was able to reach XXXX in the " XXXX assistance '' ( sic ) area. She told me that the reason I was not able to make ACH payments was that the automatic payment from XX/XX/XXXX previously described as cancelled on XX/XX/XXXX had returned as " insufficient funds '' on XX/XX/XXXX. This was the reason I was barred from making XXXX payments and only had fee-only options. This " insufficient funds '' payment was the one I had been alternatively told by lower level customer service representatives that had been removed either by a system update or had been manually cancelled on XX/XX/XXXX. She did say that I could make a payment using my external bank 's bill pay service and the payment would not be considered late until XXXX days after the due date. XXXX offered the fee-only option of using a debit card linked to my external account. I mentioned I had my checkbook ready and she " attempted '' to process an ACH payment. This, naturally, did not go through. Later that evening I attempted to use a fee-only option to make a payment to Santander. This payment did not go through either. I eventually resorted to using my external bank 's bill pay to mail a payment to Santander, scheduled to arrive on XX/XX/XXXX.
Consumer complaint received 2024-10-21
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. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-21
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: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX I called XXXX XXXX XXXX for information regarding my debt. They stated I owe around {$7000.00} and now with interest it has come close to {$11000.00}. Being that I believed that was incorrect I asked to specify to me the exact amount of months I owe. Into which the XXXX XXXX XXXX could not provide the exact amount of months I owe, all they have is an amount the original creditor said I owe. Which to me seems outrageous that a company can just say you owe whatever they say and they can stick it on to your credit without any pushback. So this is me pushing back. Like I stated before I am not avoiding responsibility, on the contrary I would like to settle this, but without the proper account of the exact months I owe and for them to bluntly lie about the month I left is horrendous to me. I at the maximum owe them 3 months of rent from XXXX XXXX XX/XX/XXXX. I was gone by XX/XX/XXXX like they requested and they are wanting to add an extra 2 months that I wasnt not there for anymore.
Consumer complaint received 2024-10-21
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. (MS)

The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED XXXX U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-21
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. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MN)

As outlined in the Fair Credit Reporting Act 15 USC 1681 section 602, consumer reporting agencies, including XXXX and XXXX, are legally obligated to ensure they handle consumer information with fairness, impartiality, and a clear respect for privacy. I am the consumer in question, and I have not given written consent for my personal information to be shared or furnished in any manner. Under 15 USC 6801, it is Congress 's policy that financial institutions must safeguard the privacy and confidentiality of customer information. Per 15 USC 1681 section 604, your organization and the consumer reporting agencies involved do not have the required written authorization to furnish this account, and I formally revoke any perceived consentwhether verbal, non-verbal, or implied. 15 USC 6802 further reinforces my right to opt out, yet I was not provided any means to do so. Additionally, per 15 USC 1681C, any adverse information older than seven years can not be legally reported, and this account qualifies as such. You are in direct violation of federal law, and I am formally opting out of your reporting services. I demand this account be removed immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Re : Complaint Regarding Unnecessary Hold on a Deposited Check by Fifth Third Bank Dear Sir or Madam, I am writing to file a formal complaint regarding Fifth Third Bank 's prolonged hold on a check deposited into my account, which has caused significant financial hardship. On XX/XX/XXXX, I deposited a payroll check from my employer, which is issued from the same account that previously provided direct deposit payments into my account at Fifth Third Bank. Despite this established relationship, the bank placed an extended two-week hold on my check, making the funds unavailable for an unreasonable period. 

This two-week hold is excessive and beyond the timeframe allowed by federal law. According to Regulation CC of the Expedited Funds Availability Act ( EFAA ), codified under 12 CFR Part 229, banks are generally required to make funds from local checks available within two business days ( 12 CFR 229.12 ), and non-local checks within five business days ( 12 CFR 229.13 ). Furthermore, the Federal Deposit Insurance Corporation ( FDIC ) suggests that a prolonged hold may only be justified under specific circumstances, such as a large deposit or suspicion of fraudulent activity ( 12 CFR 229.13 ( b ) ) neither of which applies in this situation, given that the check is from my regular employer and has been routinely deposited via direct deposit in the past.

Additionally, this situation contravenes the Federal Reserves guidelines on check holds, which advocate for timely fund availability, especially when there is a history of direct deposit payments from the same source.

I believe this hold to be unjustified and potentially in violation of the Expedited Funds Availability Act. The delayed access to these funds has caused me undue stress and financial difficulty, and I am requesting your office investigate the matter to ensure that Fifth Third Bank is complying with federal laws regarding check holds and fund availability. 

Please let me know if you require any additional information. I appreciate your time and attention to this matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

I am writing to notify you that I have identified fraudulent accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or authorization, using my personal information fraudulently. I request that these accounts be investigated and removed from my credit report as soon as possible.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian Violated In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 Section 609 Accuracy of item on credit Report and provided adequate evidence XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions. 
and thats it. 
Removed inaccuracy with in XXXX  days and provided written evidence method of verification to consumer.
Consumer complaint received 2024-09-20
Product: Credit 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: SYNCHRONY FINANCIAL (MT)

On XX/XX/XXXXXXXX XXXX XXXX XXXX  my laptop computer was hacked. The hacker was able to withdraw on the XXXX from my PayPal credit three transactions. I wrote to Synchrony Bank they removed two of the transactions but one still remains. PayPal refuses to remove the one for no reason that thy can explain to me. 
Paid with PayPal Credit {$210.00} Transaction ID XXXX I would appreciate any help you can give me.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (OH)

I was denied access to a checking account with multiple financial institutions, due to the information they stated was on my consumer report with both XXXX XXXX  and early warning services. I have requested copies of my reports by mail and never received them.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (DC)

I paid off the XXXX XXXX  card and closed the account. The balance was around XXXX USD. The account is now in collections with Lvnv Funding Llc for the amount of XXXX USD. I would like it removed from my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I recently discovered that multiple unauthorized accounts were opened in my name and numerous credit inquiries were made on my report without my knowledge or consent, indicating I have been a victim of identity theft. These fraudulent accounts include XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX 's, XXXX XXXX XXXX, XXXX XXXX and more. Additionally, unauthorized inquiries were made by companies like XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and others, which I did not approve. 

To address this, I have filed an identity theft report with the FTC, submitted a police report, and disputed these fraudulent activities with the credit bureaus and creditors involved. Despite these actions, the fraudulent accounts and inquiries remain on my credit report, causing significant damage to my credit standing. I am requesting a thorough investigation and removal of all fraudulent items from my credit report to resolve this matter.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.