davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (FL)

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : SOFI BANK, XXXX ( Account # : XXXX ) ** - Reports a XXXX late payment, but all payments were made on time. 
XXXX ( Account # : XXXX ) ** - XXXX a XXXX late payment, but all payments were made on time. 
XXXX XXXX BANK, XXXX ( Account # : XXXX ) ** - Reports a XXXX late payment, but all payments were made on time. 
XXXX BANK ( Account # : XXXX ) ** - XXXX a XXXX late payment, but all payments were made on time. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage. 

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Consumer complaint received 2024-08-15
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. (CT)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX amount {$86.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Pa XXXX amount {$6100.00} XXXXLvnv funding llc C/o resurgent capital lc XXXX XXXX XXXXXXXX XXXX SC XXXX amount {$650.00} XXXXLvnv funding llc C/o resurgent capital lc XXXX XXXX XXXXXXXX XXXX sc XXXX amount {$730.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX amount {$100.00}
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (TN)

My student loan servicer recently changed from XXXX to EDfinancial. I went to my account to check my student loan history and noticed there is a discrepancy in the loan amount I borrowed that is > {$20000.00} more than I actually borrowed. On EDfinancial website 's history, it is noted that on XX/XX/year>, I borrowed {$22000.00}. Then a month later on XX/XX/year>, I again borrowed {$22000.00}. My medical school at that time costs about XXXX per semester. I usually would take out a few XXXX extra for living expenses but not ever take an extra greater XXXX. In addition, my school only award financial aid and take out tuition once per semester. It does not make sense that the school would request for the same amount of tuition twice in XXXX semester and XXXX month apart. I went back to my school 's financial aid history and indeed, there is no records of me taking out a whopping extra XXXX XXXX  that semester. I added all of my loan history together from my school 's financial aid website and the amount did not total any more than $ XXXX. Due to graduating near covid and payment pause, I have accumulated very little interest since graduation. Even on the studentaid 's website, it is listed that I have accumulated around XXXX total interest since graduation. This does not add up to the total on my servicer website which is showing that I currently owe around $ XXXX. I went to the federal student aid 's website to download my student aid data. When downloaded, there is a line that states " XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : {$200000.00}. '' This is closer to the amount I borrowed. But then under this line, it says : " Student Total All Loans Outstanding Principal : {$220000.00} Student Total All Loans Outstanding Interest : {$2800.00} '' Somehow, an extra XXXX borrowed appeared out of nowhere in the total. Even accounting for my graduate plus loand and my accumulated interest, it still does not equal this new " total '' amount. In summary, I have checked this information with my school 's financial aid website history, my bank history, and even the federal student aid downloaded data. This does not add up with the amount they are saying that I owe. I have called both federal student aid and also EDfinancial to fix this discrepancy. Both sides kept blaming the other and telling me that it's the other side 's job to fix it or investigate it. Nothing has been done so far. This is a large amount to have a discrepancy and if my interest accumulates in the future, this incorrect amount will be what my interest will be calculated from. This is a huge mistake and needs to be fixed.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (SC)

My daughter opened an account with XXXX, so she could sell a handbag. She received a text stating she needed to buy a gift card from XXXX  or american express for XXXX to cover the cost of the item. I told her I didn't think that was a real text from XXXX But she refused to listen. So she got a Am Express card took a picture of it and sent it this person. And then she could not find where the item was sold on XXXX. So I looked up the card account, and there was a charge for XXXX from XXXX XXXX XXXX. So I called Am Express and they told me it was a scam as soon as I mentioned XXXX. I was denied a refund. I even appealed decision and was still denied refund.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

My student loans were forgiven in XX/XX/XXXX through XXXX. While waiting for a response on my forgiveness, Mohela automatically took out from my bank account XXXX extra payments ( XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX ). After my XXXX payment was paid in XX/XX/XXXX, all other payments made after that should be refunded for a total of {$600.00}. My Mohela account was showing a negative balance of - {$600.00} but the account has been showing a XXXX balance for the past several months, however, I never received a refund of {$600.00} to my bank account. 

I saved screenshots of when the account was showing that a refund was due and I have submitted those screenshots in my complaints to Mohela and to the XXXX XXXX XXXX. The XXXX XXXX XXXX is telling me that Mohela is responsible for the refund and for correcting the situation. Mohela is telling me that the XXXX XXXX XXXX is responsible and that they no longer can answer any questions or even talk to me about my account. 

I have attempted to get this situation resolved through both Mohela and the XXXX of XXXX since XX/XX/XXXX when my student loans were forgiven through XXXX. I have spoken with several different MOHELA representatives who all tell me different things ( some have referred me to the XXXX XXXX XXXX, another one reported that they have notified a supervisor and they are going to need to look into my refund status but I never heard back about it, another one said I am not due a refund and refused to let me talk to a supervisor, telling me that Mohela has nothing to do with my account any longer and I need to contact the XXXX XXXX XXXX ). 

I have attached documentation that proves that I am due a refund as it shows the XXXX overpayments that were made after XX/XX/XXXX when my loans were forgiven.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MN)

10 or more years ago ( unsure about exact date ). I had a {$50.00} stop payment placed on my account for a payment to XXXX. I'm not even certain if was for a XXXX. Anyhow, they did not properly explain, and/or document the changes " Stop payment '' ten plus years ago. 

As to-date I've had 2 or more {$50.00} payments returned by XXXX XXXX ; I was also assessed two or more {$50.00} NSF fee by AMEX. Puzzled by the returned payments and frustrated by the fees I started to dig into what's going on. XXXX XXXX has returned the two {$50.00} payments as of XXXX & XX/XX/XXXX. I guess due to this {$50.00} stop payment from 10+ years ago. Still unsure how it popped up. 

When i called AMEX to ask for forgiveness and the fee waived, I was told its XXXX XXXX 's fault. You need to contact your bank ; we will not waive the fees. About a solid month ago I also asked for the annual fee to be waived for me. I was laid off by XXXX XXXX XX/XX/XXXX after 15 years of service. I considered enrolling in the payment plan to help people but declined after i found out it negatively impacts your credit. I begged and pleaded with the two reps i spoke to that day to waive the enrollment fee, and the first NSF fee. I was strong armed on the phone with Solid NO 's, this is our policy, no forgiveness, the fees are valid. 

Look, I understand, having worked for corporate America. Those fees help your stock price. My first manager would scold me for waiving the {$20.00} phone fee. When I worked my first 3 years in the call center. I felt too much for those people, you could hear the hurt in their voice. This {$20.00} was coming out of something in their monthly budget, part of the light bill, groceries, gas for the week. It was the least I could do. People that fall behind on bills usually juggling a lot. Deciding which bill to pay to avoid disconnected. This has become my case. I haven't been XXXX  this long since before I was a kid. Which is why I also thought AMEX would show compassion in my plight.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I fell behind with payments. XXXX XXXX. An arrangemtwas created. I was told as long as u followed this agreement by the 3rd payment my account would be current. Each month i was contacted about my account being late. Id tell the person on the phone I had already worked things out and that my payment was made. Theyd find it and apologize. 
After my last payment i checked my account. I was shocked to see that even after paying {$190.00}, My card completely maxed out! Then I saw the late fees and other charges. 
Every payment made was on time. And was told id be current with no fees. The balance of my card in the end of that agreement was supposed to be current an no late fees. 
Now after keeping the agreement its left me in more debt than when I started. 
This has left my trust completely broken. The XXXX dollars given to them should have brought down the balance. Instead each month theyd call and id tell them about the supposed agreements. Theyd apologize after " finding it '' and say my payment was recieved and theyd credit the late fee. ALSO they reported me late to credit bureas!!! Prior to all of this i had an immpecable payment history. I had Covid and missed XXXX weeks of work. All my other What they do should be illegal.i want the fees removed and my payments reported to credit bureau with a current status.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/year> a payments in the amount of {$570.00} was made by me for my car loan account with Chrysler Capital. On XX/XX/year> I have another payment for the same amount for my car loan work Chrysler Capital. On XX/XX/year> I was contacted by Chrysler Capital and informed of a charge back for my XXXX payment. I contacted my bank to inquire about their allegation and the back denied that allegation. They provided bank statements for the months of XXXX and XXXX and I forwarded those to the finance company. The bank also provided a confirmation of transaction for that XXXX payment in which I have attached. This has been ongoing since XXXX XXXX with no resolution. Additionally Chrysler Capital has been on XXXX conference calls with me and my financial institute who had told them repeatedly that this charge was debited from the account and that there were no disputes against this charge. In the meantime my credit score has suffered significantly. I have interest actual from XXXX and late fees attached.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (LA)

My Amex Serve debit card has a balance of {$300.00}, the card expires in XX/XX/year>. It's XX/XX/XXXX. 
The automated system for Amex Serve does not have live representatives ; I've called dozens of times and am prompted to register my new card for activation. I have not received a new card. The system is not recognizing my current card. For the last four days I am unable to access my money. 
I then called and spoke with a representative for American Express who do not deal with debit cards like Amex Serve, they connected me to the Amex Serve gift cards department for some reason and I could not be helped there either. 
I need to access my funds for medications and food. The basics. It's been four days.

Amex Serve is not taking responsibility for the lack of integrity of their automated customer service ap. I've been unable to even update my email address on the ap, getting an " oops, we're experiencing technical difficulties '' for weeks now. 
I want to be able to XXXX. Withdraw my {$300.00} from an ATM like normal. XXXX. Then close my account, and, XXXX begin using a debit card from a different company. 
I need to keep food on the table and it's getting urgent. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CT)

I can not get a decision from underwriting on a refinance and modification of the existing mortgage loan. I am requesting reduction in the monthly mortgage payment from the current rate of approximately {$1200.00} a month to {$800.00} a month and amortization of the current arrears on the loan and a lower interest rate on the mortgage loan.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I had a conversation with somebody in the fraud department of FNBO on XX/XX/XXXX. The person required me to confirm my identity by providing her with my driver 's license number and address in the state of Illinois. I haven't lived in Illinois since XXXX, and didn't get a driver 's license till XXXX, in the state of Oregon. She refused to accept my feedback and correct their information, even though my credit card account with the FNBO was open in XXXX on the basis of current an correct information, which can also be easily verifiable via any of the 3 credit history services ( XXXX, XXXX, XXXX ). The fact that I was given a {$20000.00} credit line shows that FNBO was able to successfully veru my application information in XXXX. Yet, in XXXX, it insists on using information that is either obsolete as of XXXX, or never existed.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX I traded in a XXXX XXXX XXXX that was financed thru Ally Finacial at XXXX XXXXXXXX XXXX XXXX XXXX for a XXXX XXXX By XX/XX/XXXX Ally finicial stated they never receievd payment from XXXX XXXX  XXXX I than called XXXX XXXX  XXXX and they stated a check was sent out to Ally in XXXX XX/XX/XXXX Ally stated they still did not recieved payment from XXXX XXXX I than filed a complaint with the Better Business Bureau stating this activity as well as I reach out to XXXX XXXX telling them the issues XXXX XXXX than investagted and was shown that a check was sent to Ally Financial within XXXX of the vehicle being traded in by ALLY did not cash the check in a timely fashion XXXXXXXX XXXX XXXX than issues another check by than Ally had already issuesd me 60 days of late payments on the behalf of there negligence I have reach out to them many time to remove the late payments as the vehicle was no longer in my possession
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I got a text impersonating my bank ( Wells Fargo ) for an unauthorized transaction for XXXX at XXXX XXXX XXXX. I was provided a number to call to dispute the transaction. But this is a scam. They asked for all of my card information including number, pin, zip and ss. After reluctantly calling and giving my information. I called wells fargo to check if it was them and they let me know they did not try to reach out to me. I ended up having my card cancelled by Wells Fargo over this Fraud transaction and interaction. The alert came in the from of a text from email XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Subject : Debt Validation Request and Assignment Contract Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : * Account Number : XXXX * Original Creditor : XXXX XXXXXXXX XXXX XXXX * Amount Claimed : {$12000.00} XXXX request that you provide the following information : 1. Validation of the Debt : Please provide documentation that verifies the debt, including the amount owed and the name of the original creditor.

2. Assignment Contract : Please provide a copy of the assignment contract or other documentation that shows the collection agency has the legal right to collect this debt. 
Please consider this letter as a formal dispute of the debt until such time as the requested information is provided. I also request that you cease all collection activities until this validation is completed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
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. (TX)

See the attached FTC report and remove the following unauthorized accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Subject : Debt Validation Request and Assignment Contract Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : * Account Number : XXXX * Original Creditor : XXXX XXXX XXXX  Amount Claimed : {$340.00} XXXX request that you provide the following information : 1. Validation of the Debt : Please provide documentation that verifies the debt, including the amount owed and the name of the original creditor.

2. Assignment Contract : Please provide a copy of the assignment contract or other documentation that shows the collection agency has the legal right to collect this debt. 
Please consider this letter as a formal dispute of the debt until such time as the requested information is provided. I also request that you cease all collection activities until this validation is completed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX