davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Neon Newco Corporation (TX)

XXXX has many negative reviews when XXXX  The past 3 months they don't remove pending charges in 30 days or less and nobody can send me that in writing. Last month XXXX at the XXXX in XXXX where I started XXXX account had to manually remove a hold that was almost {$400.00} from XXXX XXXX that accidentally overcharged me twice. If not for her help it would still be on there. Each time I called the rep was ignorant and ghetto, and hung up on me or put me on forever hold when I asked for a supervisor because they couldn't assist me. Then, I've waited almost 2 months for doublecharges from XXXXXXXX XXXX TO FALL OFF. XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ALL HAVE POSTED AND THESE DOUBLE HOLD SHOULD HAVE FALLEN OFF A LONG TIME AGO. SINCE THEY HAVENT, MY ACCOUNT WAS CHARGED {$50.00} FOR OVWRDRAFT WHEN I HAVE PROOF I WAS ENROLLED IN THEIR " OVERDRAFT PROTECTION '' PROGRAM. 

IF THE HOLDS PENDING WERE REMOVED IN A TIMELY MANNER LIKE OTHER BANKS CHASE, XXXX XXXX, XXXX XXXX XXXXXXXX, THE 30 DAY PERIOD TO FALL OFF LIKE XXXX TOLD ME HAD PASSED. 

THE XXXXXXXX XXXX CHARGE WAS XX/XX/XXXX, AND IF XXXX HOLDS XXXX PENDING I WOULDNT HAVE BEEN OVERDRAFTED. SO THEY OWE ME {$100.00} FOR THE PENDING CHARGES FROM XXXX EATS THAT POSTED ON THE DATES SHOWN AND IM.BEING DOUBLE CHARGED AND DONT HAVE ACCESS TO MY FUNDS FOR MONTHS!!! 

THEY ARE PREDATORY MAKING MONEY OFF LESS EDUCATED AND POOR PEOPLE WHO DONT KNOW ANY BETTER BECAUSE XXXX NEVER HAD A REAL BANK ACCOUNT!!! I USED TO WORK AT A BANK AND THIS IS HIGHLY ILLEGAL AND THWY NEED TO BE SHUT DOWN!! THEY OWE ME THE {$50.00} OVERDRAFT FEE AND XXXX CHARGES STILL PENDING SINCE XX/XX/XXXX!!! ABOUT 2 MONTHS THEYVE BEEN HOLDING MY FUNDS XXXX AND XXXX TIRED OF GETTING NO HELP!!! THESE FRAUDS DONT CARE AND NOW I HAVE TO CHANGE MY MONTHLY SOCIAL SECURITY XXXX XXXX ANOTHER INSTITUTION AND THAT WILL MEAN I WONT HAVE ACCESS TONMY XXXX PAYMENTS FOR 2 MONTHS AND THATS NOT GOING TO WORK!!! I WILL ALSO POST REVIEWS ON SOCIAL MEDIA TO WARN OTHERS. SCUMBAGS NEED TO BE SHUT DOWN! THEY KEEP SENDING GENERIC EMAILS AND OBVIOUSLY XXXX DOESNT HAVE TIME OR WANT TO FIX IT BECAUSE I EMAILED HER ON XXXX  AND NOTHING HAA BEEN RESOLVED!!
Consumer complaint received 2024-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (KS)

In XX/XX/XXXX some took out a student loan to XXXX New Hampshire University in the amount of {$3100.00}. I didn't apply for this loan. Someone stole my identity. I received the notification in the mail from XXXX, student loan provider. I immediately called them and asked them about the loan. Someone had used my information to get the loan. While I was trying to get this resolved, XXXX sold the loan to Edfinancial services. I have tried to get this loan XXXX due to stolen identity. I filled out the paperwork for the loan discharge on XX/XX/XXXX. I had not heard from them so I called them and was told they received it on XX/XX/XXXX but could take XXXX days to process. 
Then on XX/XX/XXXX I received a letter that wanted me to fill out another discharge packet saying they didn't have enough information. The XXXX packet asked for the same information as the first. I mailed it on XXXX XXXX. They received the XXXX packet on XX/XX/XXXX. They stated that it will take an additional 60 days to determine if it's complete. 
I have provided all the necessary documents and information required to prove stolen identity to Edfinancial. They still have not let me know if they have XXXX the loan that was falsely taken out in my name.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 a 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 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

In XXXX, USAA presented a promotional 0 % APR balance transfer. I made the decision to leverage this promotional offer to cover forthcoming PCS expenses and other expenses. As a XXXX XXXX XXXX  engaged in operational XXXX, I was unaware of incurring a XXXX XXXX cash advance interest rate for the months of XXXX and XXXX, resulting in a total of {$360.00} to date. 

Following a discussion with a USAA representative, it was conveyed to me that the promotional rate was only applicable from XX/XX/XXXX to XXXX. Notably, my cash advance request was initiated on XX/XX/XXXX. For this reason, the USAA proceeded to charge the standard cash advance interest rate without prior notification and informed consent. 

it clearly indicated USAA violates Consumer Financial Protection Act. The USAA misrepresent or fails to clearly disclosed the terms and condition of promotional service that they offers to service member, and fails to obtain consumers informed consent regarding what is being charged. It is a predatory lending targeting service member with unfair deceptive tactics to taking a advantage of service member. As the major bank, USAA should be transparent with consumers. 

I am paying excessively high interest that I was not informed about and did not agree to. This has put me in a difficult position while I am away from home serving the country.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (CA)

So on XX/XX/XXXX, I called up Upgrade Card Services and reported I lost my card. I also reported XXXX charges that were unauthorized and the total amount were XXXX. On XX/XX/XXXX, Upgrade replied me an email saying those charges were valid and I had to pay. 
I called in again on XX/XX/XXXX for a re-submit the dispute and was told I would be receive a email for further instruction. 
On XX/XX/XXXX, I hadn't receive any email. So I called Upgrade card services again and check the status for the re-submission. I was told my resubmission on the XXXX didnt even start. I am also was told that the decision for making me to pay those fraud charges were final and couldn't be dispute furthermore. 
CFPB, Please realize those charges happened in XXXX ( base on transaction details ) and I am not in XXXX in that specific timeframe. I have explained this to Upgrade but they just asked me to bear those charges. 
I have also emailed them the police report.
Consumer complaint received 2024-10-01
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: TRUIST FINANCIAL CORPORATION (MI)

The XXXX XXXX branch representatives hung up left me on phone for hours refusing to addres my concerns while my employer sent my pay to card on Friday XX/XX/year> on my entitled pay refusing to allow me to have access to my funds and representatives not answering calls
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: HOME BANCSHARES, INC. (AR)

I purchased my home financed through Centennial Bank in Arkansas XX/XX/XXXX. Shortly afterwards my business declined. I lost my biggest contract for my business due to gas price surge and shift in economy due to the XXXX pandemic as a result i fell behind on my mortgage payments. I was advised by the bank that I didnt have any options for payment help due to not making the required number of mortgage payments. In XX/XX/XXXX I was served notice of foreclosure and notified that my property was to be sold on XX/XX/XXXX. I paid the amount of XXXX to cure the default and to avoid the sale. I was advised that the foreclosure would still remain open. I fell behind again and without notice of new sale date lender sold my property on XX/XX/XXXX. I received a letter after the sale on XX/XX/XXXX stating the property was sold. I contacted the lender and was advise that they did not have to notify due to the foreclosure was never dismissed. Why was I not notified of the second sale date after curing the first default amount? How can a lender sale my property without the proper notice and taking over XXXX from me? Now we have 5 days to get out and no help to resolve this matter. We are about to be homeless and on the streets. Im begging the CFPB to please help!
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (SC)

The companie name is Chime. They close my account. The company said I broke policies. Chime said they cant tell me what I did for security reasons. I told them I found out someone has been using my information. I been a victim of identity theft. Someone had file my taxes.
Consumer complaint received 2024-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (UT)

Hi, CFPB! 

On XX/XX/2023, I submitted a payment of {$10000.00} to Edfinancial to pay off a federal loan. The funds were deducted from my account in less than XXXX hours. Despite waiting a few weeks for it to reflect on my account, there was no update on the payment, nor any " payment pending '', " payment processing '' status whatsoever. I intentionally made this payment early to prevent accruing 7 % interest. When I reached out via email, I was informed that it could take XXXX days for any updates to appear. Fine, I can wait. 

However, it has now been XXXX  MONTHS, and there has been complete silence. This situation is worrying because the funds were deducted promptly, but there has been absolutely no acknowledgment or progress on my loan account.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (GA)

I was attending XXXX and the company ended up going out of business. I have student loans with XXXX XXXX XXXX due to misleading borrows about income driven repayments plans botching payment processing, harming my credit deceiving me about requirements for a cosigner release and misleading me about the consequences about my credit score. I have been trying to get my loans discharged due to the schools negligence and have seen little to no progress. I'm not sure if i was a part of the lawsuit that's against them in the XXXX v XXXX XXXX case but i haven't received compensation or discharge of the loans from my credit.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (NC)

I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things like my student loan being listed without my consent. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed not to 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. 

Resources
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I am on an income driven repayment plan and qualify for XXXX $ XXXX loan payments based on my income. 
I recently consolidated my loans with EdFinancial. 
After consolidating my loans, they sent me a letter in the mail ( XX/XX/year> ) saying that my next payment due would be {$370.00} even though my annual income hasn't changed. 
Next I logged into my online account at EdFinancial, where the amount due still appears to be XXXX XXXX 
It's totally unclear where the {$370.00} amount is coming from, and why the letters and online accounts don't match. 
Nothing about how this loan servicer is operating makes any sense, and the inconsistency of their communications regarding my loan balance/what is due causes undue financial XXXX/precarity for me, as I don't make enough money for a XXXX XXXX  monthly payment.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MS)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2024-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

In XXXX XXXX XXXX I was placed on the SAVE plan through StudentAid.gov and my loan servicer, EdFinancial. 

In XXXXXXXX XXXX, I submitted a Borrower 's Defense claim through StudentAid.gov. 


I was incorrectly placed on Administrative Forbearance through my loan servicer, EdFinancial. Even though my paperwork in the attached video below clearly states I requested to NOT be pplaced on Administrative Forbearance. 


On XX/XX/year>, I called ( and recorded ) EdFinancial and spoke with a representative who told me that this was a clerical mistake and that the interest that had accumulated on my account would be waived. 

On XX/XX/year>, I called ( and again recorded ) EdFinancial and spoke with a different representative who told me that the interest would not be waived. 

I have been given misinformation multiple times from this loan servicer that has now affected my financial situation.
Consumer complaint received 2024-07-30
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which are found to be opened due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-07-30
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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 2024-07-30
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. (LA)

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 2024-07-30
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (OH)

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.