davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NH)

On XX/XX/XXXX, I requested to increase my Autopay amount to pay off my loans faster. The only way to do this is to cancel my current Autopay series and addd a new one, so this is what I did. I received confirmation that my Autopay had been cancelled and my request to enroll had been received. 
On XX/XX/XXXX, my payment due date passed without notification. I guess this is my fault for not checking that my new Autopayment had been processed by the due date. 
On XX/XX/XXXX, I received an email that my payment had been missed. I immediately logged on and made a manual payment of the full amount overdue plus the next month 's payment, {$420.00}. I received a payment confirmation for this payment. 
On XX/XX/XXXX, I received another email that my payment had been missed. I logged in on the XXXX to find that while a record of my payment on the XXXX existed, it had immediately been reversed with a " Payment Reversal ''. I did not receive any notification that my payment has been reversed, and I certainly did not request it. No further information on this " Payment Reversal '' was available. I made the same payment again, {$420.00}, and received another payment confirmation. 
Today, the XXXX, I received another email about my missed payment. I logged on again to find that, again, my payment had been reversed without any notification. The payment reversal was dated to the same date I made the payment, but I have been checking the status of this payment regularly and as of at least the XXXX, this reversal did not exist. 
I also received emails today about my loans being removed from Autopay, again, but when I log into the site they are all showing up as being enrolled. 
I am at a loss for what to do. Twice, in good faith, I have made manual payments and twice those payments have been reversed without my knowledge or consent. My Autopay status is very unclear, and I have no idea if I can expect my Autopay payment to go through on the intended date, and if it doesn't, I don't know what else I'm supposed to do if every time I make a manual payment it is reversed without my knowledge. Payments have previously been successful using this same bank account, and there is plenty in the account to cover the payments I am trying to make. I don't want to " miss '' another payment when I am doing everything in my power to make them, but my money isn't being accepted for no known reason.
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (WA)

Cedars Business Services sent me a notice to collect a debt on Behalf of the XXXXXXXX XXXX XXXXXXXX ( XXXX ). After reviewing the information, I ascertained that the original debt had not been noticed within the deadlines for notification and was therefore not collectible. When I attempted to get Cedars representatives ( 2, including a supervisor ) to confirm that the letter they sent me confirmed this fact ( both the date the deadline began ( XXXXXXXX  ) and the date of first notices ( XX/XX/XXXX + XX/XX/XXXXXXXX  ) were written on their letter, they refused to read the letter over the recorded line and to confirm that the debt was not collectible. I finally ended the call after trying to talk sense into someone who was clearly in the wrong and had no interest in the unfortunate facts. They were in my opinion very rude and abusive as I tried to call and handle this amicably. The first I am hearing about this is almost 40 months after the violation.. that doesn't seem right and I am glad I investigated. 

The letter from Cedars included both a notice with login information to pay the fine and information about previous reminders that had been sent by the XXXX XXXX XXXXXXXX, along with a copy of the Fine/Violation. 

The Violation notes that Article 201, paragraph 1 of the Traffic Code and art.386 of the Traffic Code Regulation govern the deadlines for notification - which clearly state that the notice must be sent to violators living outside of XXXX within 360 days. The Cedars letter confirms XXXX sent notices more than 13-months later in early XXXX The individuals I spoke to, including a supervisor- continually transferred me around and tried to obfuscate the facts instead of simply reading to me the facts that Cedars had already sent to me in their letter, which demonstrated to me that the debt had not been appropriately noticed and therefore was not collectible.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have experienced great mental hardship as I have not been able to refinance my home do to this erroneous account.

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this inaccurate account from my consumer report. 

ACCOUNT : XXXX XXXX XXXXXXXX, Date opened 10/2014 Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter, XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX XXXX XXXX a credit card was issued in my name on XX/XX/2024 for the amount of XXXX dollars I did not authorized or apply for this credit card or tXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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)

At this moment. I am in litigations with three company.. complaint files first one XXXXXXXXXXXX Second # XXXX. Third # XXXX. One is a consumer agency. Transunion. The other is XXXX XXXX. And XXXX XXXX XXXX There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NJ)

i opened a checking account with sofi and recently funded it by transferring money ( {$3000.00} ) from XXXX XXXX, which is a sole proprietorship. sofi restricted my account on XX/XX/XXXX, XXXX i called them and they told me that they restricted my account since the transaction came from a third party ( ie the account wasnt in my name ). i told them it was from my XXXX XXXX XXXX  they made the note and said that next steps would be to have their internal team investigate this further. they have not given me any timeline on how long this would take to be resolved.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (AZ)

Robinhood has restricted my entire spending account and shut off my debit card completely for no reason. I tried chatting with multiple representatives who immediately closed the chats after I mentioned my issue and Ive been unable to access support at all. When I call them on the phone, Im unable to reach the restrictions department and no one else can get in contact with them either. I keep getting referred to this team via email, but theres no direct contact, so Ive been waiting for an update with my account locked.

I then received an email update from representative XXXX who informed me that my brokerage account is the one under review and Im unable to trade stocks, even though the official email says its my spending account and debit card. The email ended with XXXX stating the case would be forwarded to the relevant team, which does not give me any more information or a resolution. 

I recently filed a dispute on a debit card charge, and now XXXXobinhood is restricting my entire account just two days later. It seems as if Robinhood is trying to avoid adding a provisional credit to my account ( which they are required to do under Regulation E ), or they want to prevent me from accessing and using the funds when they are applied.

These are extremely shady business practices on Robinhoods end. Ive been a customer for several years and not one person has been able to tell me the real reason for this restriction or how it can be rectified. I need this resolved ASAP with confirmation my dispute is still in progress on the timeline required by Regulation E.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ XXXX XXXX XXXX ; Account Number : # XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # XXXX XXXXXXXX XXXX XXXXXXXX ; Account Number : # XXXX XXXX. XXXX XXXX XXXX XXXX ; Account Number : # XXXX XXXX. XXXX XXXX ; Account Number : # 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 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

I don't appreciate the lies coming from the person who wrote this letter. I did place a payment plan but lvnv funding still placed it on my credit files. I've always had trouble with these people. I had a right to change the payment amount to one that fits my budget. But they still lie to the CFPB to continue to do what they're doing to me LVNV is the biggest civil rights violator out their. I was trying to make a payment that fits my budget which I have now and made two payments on this account. That is what this woman failed to mention.
Consumer complaint received 2024-06-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Quality Asset Recovery LLC (NJ)

Hello. 

I originally had a collection account with Quality Asset Recovery ( Company 1 ) and then the collections was bought out by XXXX XXXX XXXX, XXXX XXXX ( Company 2 ) to which I paid in full the entire account as of XX/XX/2019. After XXXX, I noticed that the collections were still not removed from my XXXX XXXX and repeatedly called both companies to try to resolve the issue. Company 1 claims that they will not remove it off my report because I did not pay them. Company 2 says that they called Company 1 saying I paid in full. I called the ORIGINAL lender and they told me that the amount of what I paid is correct for Company 2, so I know that the entire account and all of the invoices listed are now paid in full.

To date, and 5 months later, there are three collections still on my credit report even though I have called everyone many, many times and even filed disputes to correct this and close the accounts. Company 2 said they even mailed information over to all credit agencies, but I have no record of them doing so. Additionally, they now state that I am not allowed to call Company 1 because they hold my account. I just want this off  of my credit report, hopefully as of XXXX, since I am trying to build my credit and this has been a thorn in my side for months. I never get a complete answer.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Credit report hard inquiries 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 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 XXXXXXXX ( Original Creditor : XXXX ) account number # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX 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 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear XXXX XXXX XXXX , I hope this letter finds you well. I am writing to formally dispute the 30-day late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXX Number : XXXX Paid in Full / Account Closed 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  I am requesting that XXXX XXXX XXXX remove this negative mark from my credit report for the following reasons : 1. Good Payment History : I have been a loyal and responsible customer of XXXX XXXX XXXX, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior. 
2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an active duty member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again.

3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information. 

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$21000.00}