davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account withXXXX 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 in those account 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 Never Sent the periodic statement along with the disclosures from section XXXX37 ( 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 2024-08-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NC)

I received XXXX XXXX XXXX XXXX around the year XXXX maybe early XXXX for around {$1400.00} for a new account. I did not open this account I then called XXXX XXXX XXXX and they looked into it and said that it was not me and it looked like fraud I thought it was fixed from there then a debt collector called and we spoke about it they also looked into it and said yes this is definitely fraud and said they would contact XXXX XXXX XXXX. Again I thought now it would be done now sunrise collection is calling me about it but I dont trust giving out any information anymore and I do not know how to fix this. I have had great credit since I was XXXXXXXX XXXX XXXX and now I was looking to buy a car and saw my credit score has dropped XXXX points from an unpaid debt that is in collections. I have never missed payments I have had multiple loans and always pay on time.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently submitted a complaint for portfolio recovery in regards to suing me without serving me or communicating with me about this legal matter. They violated the XXXX  order in place for them. Portfolio recovery updated their account to closed in XXXX, however they didnt delete it off my report still leaving a negative mark. In addition, they did not update my XXXX report. Termination of collection authority prior to payment of the debt requires, under the instructions in the CRA reporting manual, that the debt collector also delete their reported collection.
Consumer complaint received 2024-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK (FL)

Requested to apply for FHA Payment Supplement Loss Mitigation Option ( The provisions of this ML may be implemented starting XXXX XXXX and must be implemented no later than XXXX XXXX ). I was advised there is no program to apply for.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have hard inquiries on my XXXX credit report that I didnt Authorize and they need to be remove. And my old XXXX XXXX account was closed due to be hack and identity theft. I never missed a payment but it say I miss XXXX payment and the account is closed.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FC HoldCo LLC (MD)

The company would not provide me with a invoice as requested and there was 2 different balances from the online website to wait they where telling me I had ro pay. XXXX XXXX XXXX XXXX in XXXX MD XXXX XXXX. I was on orders with the military 2 different times and I only asked for one year of 6 percent interest and they said I didn't qualify. I proved that it was but they said I still didn't. I spoke to manager but no one from the XXXX department. This has happened to me 2 but now it's affecting my credit and I have a clearance I need this to be looked into ASAP so it won't keep happening to XXXX that have challenged credit and want get a car and these companies take advantage of us. We give up our time and lives only to be taken advantage of by thw same people that we are trying to protect but who and when are we going to get protected
Consumer complaint received 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MO)

I have lost hours at work and could no longer pay off my loans in the amount totaling {$1200.00}. I requested either a further forbearance or help in consolidating these loans. I used up all of my forbearances, and asked an Affirm agent for help. They said they could no longer help me and refused to help me set up any kind of consolidated payment plan so I can make small monthly payments on what I owe.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: DailyPay, Inc (CO)

I have been in contact with Dailypay customer service and for XXXX weeks about their inability to let me log in to my account that they have claimed already exists. They have sent me text messages, emails, I've talked to the website chat employee, on phone with at least XXXX employees and XXXX supervisors which hung up on me. I do have records of many of these conversations and used them in a BBB complaint. 
They have now put me in touch with their technical team which refuses to contact me through other means other than an smartphone, this is all after various attempts of mine with emails at their suggestion, just to simply sign into my account to correct my profile and Dailypays incorrect data on myself. 
This is all shown on my uploaded pdf files, along with others I presented to the BBB
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation (TX)

So i've been trying to get my money out and cancel this app I want my money out. It won't let me transfer out. 

Their app, forces you to signup ( that's right, even tho i was already signed up for savings ( money coming in ) in order to withdraw the cash, you have to signup for their CASH account, so I went thru and signed up for all their " Albert cash '' account ( and other XXXX  services i cant recall the name of ) that I DIDNT WANT - and now it STILL WANTS ME TO VERIFY AN OLD ACCOUNT THAT DOESNT EXIST ANYMORE ( old closed checking account ) even tho i have added several other accounts that work just fine. 

Charging me $ XXXX for months now ( i guess is signed up for the subscription at some point?? but I CAN NOT CANCEL! ) I Even tried to cancel without getting my money out ( because yes thats how done i am ), It wants the last 4 digits of my physical Albert debit card. I didn't not order an albert card. I don't want a ALBERT CARD. 

I want to close my XXXX account.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (IL)

Today my account with SoFi online bank was frozen without proper reason. I called the agent and explained that my account had been frozen and was told that it was due to receiving a supposed payment that caused a security risk. The payment in question is from my the agency that I work XXXX XXXX who pays me monthly for graphic design work. Ive gotten at least the last XXXX payments from them to my XXXX account without any problem so I dont understand why they would block all the funds that have for a deposit from someone who pays me? This is all the cash on hands that I have and after speaking to the agent there seemed to be no urgency on their part! I find this ridiculous. They promote getting direct deposits with your business in the app in order to gain rewards, yet after I get my employer to make direct deposits now all of a sudden there is a problem? This is false advertisement and its unfair to penalize the client ( myself ) when Ive only tried to have a healthy account.
Consumer complaint received 2024-08-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that PORTFOLIO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC. (GA)

I wired full payoff amount on XX/XX/year>. 
SoFi published 7-10 business days to post payment. It has been 12 business days and no payment applied. Multiple calls and escalated requests and no payment has been applied. Amount is over {$90000.00}. Customer service line is not functioning and chat will not respond. I have sent full payment and it has not been applied to loans by lender. No communication from lender or effort to resolve
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (FL)

I called XX/XX/24 @ XXXX XXXX  to schedule a payment for the next business day. Today, XX/XX/24 I received an email stating that my payment was late and that I had a late fee. 

I filed a complaint on XXXX with you reporting that this would likely occur. I kept asking on XXXX if this payment was made and received no reply and stated that the last payment was on time with the report from a supervisor that the late fee from XX/XX/24 would be waived. 

This is First Access attempting to keep this account open in order to collect fees as evidenced by : I paid on time XX/XX/24 and was told that the late fee was waived - see recording from call, I called the day prior to the due date this month ( XXXX ) to pay and and set up a payment as agreed yet they continue to add late fees ( {$50.00} ) in order to keep this account open when I closed it at this interest rate. 

I only want to pay off the balance without being subjected to these abuses. My complaint from XXXX shows that I anticipated this attempt to collect more money. This is bad faith. My balance is getting near XXXX and these attempts are increasing. Can you help me?
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

- I didnt get a XXXX - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report. 
-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Consumer complaint received 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Cornerstone First Mortgage, Inc. (CA)

" Cornerstone First Mortgage '' claimed that they will secure a conventional loan on a property we were trying to purchase. 
After weeks of lengthy underwriting process, the underwrite approved our mortgage and we signed all the closing documents and wired the closing funds to escrow. 

After closing and wiring of closing funds, " Cornerstone First Mortgage '' did not fund the loan and came up with new loan conditions. 

The sellers cancelled the deal and we lost the contract due to lack of performance of " Cornerstone First Mortgage ''. 

We lost a very lucrative deal because " Cornerstone First Mortgage '' is a scam company.
Consumer complaint received 2024-08-10
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/year>, there was a fraudulent charge that happened in XXXX, XXXX for {$630.00}. I have then reported this charge as fraud. On XX/XX/year>, Barclays did an investigation and concluded that I was responsible for the charge. The cartel in XXXX took my card and said it wasn't working. Even though the charge went through. This wasn't a charge that I was approved of. They took my card without permission and approved the charge. This same vendor known as " XXXX '' also did a fraudulent charge on XXXX card XXXX The only difference is that XXXX gave me my credit back because they recognized it. The same vendor tried to charge me {$8000.00} on my XXXX card. Barclays has acknowledge this was an unrecognizable charge because I never used my credit card on the trip until that transaction. This is a charge that I never approved of. There wasn't any signature to validate this charge. I also couldn't reach out to the vendor because they are the cartel. Please help me resolve this issue, this is clearly a fraudulent charge that I never approved of.
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: MOHELA (NC)

On XX/XX/year>, my student loans held by mohela transferred from their old platform to their new platform. The transfer was completed in a little under 2 weeks. Today, XX/XX/year>, I received a document electronically from mohela detailing a change in my loan repayment schedule. On that document it stated that I had {$940.00} in accrued interest prior to the transition which has now been capitalized into my existing loan balance. I do not believe this is supposed to happen, as I am on the save plan irrespective of any of the ongoing legal issues with it. 

This outstanding interest is also currently being reviewed from a prior complaint due to mohela improperly applying the save subsidy back in XXXX and XXXX. I do not understand why this XXXX has been recapitalized into my original principal balance, as I do not believe that interest rate capitalization is supposed to be part of the transition process, and nowhere was a documented that this was a possibility. 

I have read accounts elsewhere this happening to multiple other borrowers who use mohela and have had prior outstanding interest recapitalized into their loan balance during the transition period.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

On XX/XX/year> MOHELA sent me a letter which said my loans were placed in a forbearance and " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. ". 

On XX/XX/year> MOHELA sent me another letter, stating that my loans were placed in another forbearance and repeating the statement that interest would not accrue during the forbearance. 

However, during both forbearance periods interest accrued and continues to accrue. I made a payment and it was applied to the interest that should not have been accruing. I spoke to a MOHELA representative via phone and they told me that interest would be removed after the forbearance ends and that the payments I made that were applied to the interest would be moved to principle. I'm receiving contradictory information from MOHELA. Their letter says interest will not accrue, but it is. On the phone they told me interest will accrue and will be moved. Interest accruing and being moved is different than interest not accruing. It does not matter if the result is the same, they are not being truthful. They told me that interest would not accrue and is.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On Friday, XX/XX/2022 a customer paid me on cash app for her nails. The total cost was {$150.00} dollars. Today XX/XX/2022 I get a text message saying that the customer had filed a dispute and will be getting the refunded payment from my account. Cashapp proceeds to take {$150.00} out of my account. Prior to this I was not notify about the dispute in the first place, the only message I got about the dispute was regarding the payment being taken out of my account today. I contacted Cashapp the moment I found out what happened, I waited hours for a response just to hear that they can not do anything about the money I lost, instead they told me to discuss the issue with the scammer myself. I messaged them on social media, contacted their live support, and I call their number. I was scammed out of my time and money. Not only is Cashapp support line terrible, they are letting scammers get away with stealing from small businesses without doing anything about it.
Consumer complaint received 2023-11-21
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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