davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MO)

I made XXXX additional payments to my loans held by Heartland ECSI and the loans were not correctly applied to the account in the way I had requested. {$200.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX. I noticed that my payment from XX/XX/XXXX was not properly allocated as I had request so I called in to have them fix the issue, I asked for any previous payments to be adjust as well because I had receipts showing that I had made payments that should have gone to the loan I requested the payment to go towards. They argued with me saying they could not fix their mistake from XX/XX/XXXX because it was not in the physical year, but I was persistent. However, after I reviewed the account to see if the payment had been adjusted, it showed that the payment had only been reversed meaning that they did not reapply the funds and instead are saying that the payment that I made for XX/XX/XXXX is the corrected XXXX payment and the payment I made in XXXX is now showing a reversal of the payment and now reflects a payment of {$0.00} for XXXX XXXXThis is just plain incompetent as it clearly shows the charges and the payments in the account. I have also been in contact with the " supervisor '' and they claim that they made the adjustment and they keep saying that they have made the adjustment, but now they are saying they haven't and I have been going back and forth with them about this for the past XXXX days and they keep hanging up on me, lying to me, ignoring my questions, skirting the issue, and gaslighting me, telling me to wait and that the account will reflect it in 24-48 hours, and then telling me it can actually take up to 3-5 business days. This unacceptable and unprofessional as the other XXXX adjustments for XX/XX/XXXX and XX/XX/XXXX were immediate. The emotional distress and psychological damage this company has caused me has caused me to become sick because of how inappropriate and illegal their practices. They are essentially holding the additional {$200.00} from my XXXX payment XXXX and are refusing to allow me to pay off my loan. I would have saved interest and time and would owe less than I do now if they had made the payment as I instructed from the beginning. I owe roughly {$71.00} left on this loan and want to be done with this company as soon as possible, but their practices are making it almost impossible to complete my goal. I feel so XXXX  because of these predatory practices and misinformation and psychological warfare they are trying to use on me in order to get me emotionally riled up and upset. This company makes me physically ill.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information.

I have confirmed with my creditor that the payment was processed within the allowed grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (IA)

Our mortgage was purchased by NewRez approximately 4 years after we purchased our home. Our mortgage has been sold a few times with no issue making payments and paying into escrow. Our property taxes and insurance have always been paid, no issues. NewRez does an escrow analysis when they get our mortgage and makes an error somewhere along the way and says we are negative over {$16000.00} in escrow, essentially saying we never paid escrow and therefore werent paying property taxes. This is incorrect. A quick look at our publicly available assessor site shows we are current on our property taxes. We have always had coverage on our homeowners insurance. We have never had PMI. They doubled our monthly payment to recoup the over {$16000.00} that we arent even short of. It seems when they got our loan their escrow analysis said we never paid into escrow, not once. I dont know how that wouldnt be a red flag in their system to maybe get someone to double check this obvious error. Ive been trying to get this resolved since the week we got the letter back in XXXX. The first person I spoke to said it would be taken care of in XXXX business days. The next said 30 days, even when it had been over 30 days since I called the first time. Its now been 45 days, and I call and they say they are expediting but nothing is getting done and they are pulling double what we owe out of our account each month. This is stealing, and this company almost feels like its a scam seeing how long they can get away with stuff like this until the government shuts it down, if they ever will. I need that money they stole back in our account, and they need to stop pulling double our mortgage payment out going forward. I could do a better job managing our escrow account / payments, and several other mortgage companies before them could as well. I dont trust them to do the main function of their job - make accurate payments. I need to be reimbursed immediately and future payments corrected before more money is illegally taken from our account.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (CA)

UPGRADE violated Federal Privacy Notices & Privacy Policy by reporting the account to XXXX and XXXX. 
Specifically UPGRADE Privacy Policy states that it DOESN'T SHARE personal information with non-affiliates. See attachement.
Consumer complaint received 2024-10-10
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: OneMain Finance Corporation (IN)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Indiana Laws Dear ONEMAIN, I am writing to address blatant violations 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 ), as well as Indiana state identity theft and fraud laws.

It has unequivocally come to my attention that ONEMAIN 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, Indiana 's identity theft and consumer protection statutes, such as Indiana Code 24-4.9 ( Identity Theft Protection Act ), emphasize the necessity of safeguarding personal information and penalize the unauthorized use of a persons identity. Indiana law also provides for restitution and statutory damages for identity theft and unauthorized reporting that may lead to financial harm.

I assert with unwavering certainty that I have not provided consent for ONEMAIN 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 Indiana state laws.

I demand, with the utmost certainty, that ONEMAIN 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 relevant Indiana state identity fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Indianas identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Indianas identity theft and fraud laws. 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 ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I checked my credit report noticing that all 3 bureaus have violated my rights according to the FCRA. All information reporting must be valid, not outdated, and accurate. The names on my credit report attached to alleged delinquent accounts are not me. I have not provided a wet signature nor have I given consent for any creditor listed to furnish an account in my name. XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: RAM America, Inc ()

My husband, a 100 % XXXX United States XXXX Veteran, was attempting to settle some debt after he was given a prognosis of his health so that I would not have to deal with financial hardship. He scheduled an appointment with his financial banker at XXXX XXXX. His was give a referral to contact XXXX XXXX XXXX. 

On XX/XX/XXXX, My husbanded into a contract with XXXX XXXX XXXX, to negotiate outstanding debt, and RAM, Reliant Account Management acting as the account servicing agent. On XX/XX/XXXX, I, his wife, became his Financial and Medical Power of Attorney after my husband was hospitalized. I stepped away from my career to care for my husband fulltime. I took over the finances and contacted XXXX to inform them of my intentions to terminate the contract. All the household accounts was on autopay as I spent days and nights at the hospital by my husband 's side. 
On XX/XX/XXXX, my husband passed away. I again contacted XXXX XXXX XXXX on XX/XX/XXXX, and requested the account closed and all monies forwarded to me so I may complete my fiduciary duties accordingly to my husband 's estate. ( Please see attached email ) XXXX agreed to process a cancellation however nothing else followed. I made calls weekly to check the status of the cancellation and refund. Sometimes getting a phone attendant informing me someone would contact me, other times not getting anyone on the phone at all. According to the attached contract, we were able the cancel the contract at any time and have all monies returned. 

On or about XX/XX/XXXX, I received a check in the amount of {$100.00}. I was completely and totally insulted by this disregard and mismanagement of this account. 
On XX/XX/XXXX, another request was made by the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the full amount listed in the escrow account in the amount of {$9900.00}. ( Please see attached document ).
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (TX)

Sadly in regards to complaint XXXX PayPal has retaliated against me. They falsely accused me of Specifically, we believe you have engaged in " Abuse of our online dispute resolution process. ". For that reason, we will no longer offer services to you. It saddens to have a bank owes me. Money and has blocked every access to me. I would like to state for the record Im the victim Im the one whos being treated wrongfully. They stated I must wait 120 days in order to get my money back. This just a malicious act from retaliating. Please realize its a guy name XXXX that tells you everything. I believe PayPal has taken this too far. After submitting the complaint yesterday what a coincidence everything was closed.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (NC)

I am writing to formally dispute the inaccurate information reported on my credit report concerning the UPGRADE INC account ( # XXXX ). This account is listed as a charged-off account with a balance of {$8200.00} and an amount of {$7300.00} written off. The details provided are inaccurate and misleading, and I am requesting an immediate investigation and correction of this information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. The information being reported does not accurately reflect the account history, and I demand verification of this debt. Please review and respond based on the following FCRA requirements : Section 611 ( 15 U.S.C. 1681i ) Under this provision, credit reporting agencies must conduct a reasonable investigation of disputed information. If UPGRADE INC can not provide verification of the debt, this entry must be promptly deleted from my credit file.

Section 623 ( 15 U.S.C. 1681s-2 ) This section imposes responsibilities on furnishers of information to provide accurate data. Reporting an account as " charged off '' and past due without substantiating evidence or proof of the original account agreement is a violation of my rights. I demand UPGRADE INC furnish documentation confirming the validity of the reported debt, including a signed agreement and payment history. 

Section 609 ( 15 U.S.C. 1681g ) I request that you provide all relevant details and documentation on the source of this account, including any communications and documentation from UPGRADE INC that substantiate the charged-off status and balance. 

If the accuracy of this debt can not be verified in accordance with FCRA standards, this account must be removed from my credit report. Reporting false information is not only damaging but also unlawful, and failure to act upon this dispute may result in my taking further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies.
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (DE)

I went on XXXX XXXX seen that my credit dropped low for a unpaid payment to XXXX for XXXX $ but I never had a XXXX phone it was either through XXXX XXXX or XXXX XXXX XXXX as of recently because Im on my girlfriend plan I sold my old phone back to XXXX XXXX that they sold me an thats been that to be honest but other then that Based on, WORD FOR WORD IS U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, IS U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/year> I received a email stating that I had a balance with Venmo that has become available after waiting the time frame and that it was available for withdrawal when I try to add my bank account it don't let me when I contact Venmo they.give me a run around and when I email the specialist they don't respond for days later. They said that the balance is available for withdrawal and I can't add a bank to withdrawal it.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (NY)

My name is XXXX XXXX and I am an account holder at sofi bank. 

I am also a XXXX XXXX man on a limited social security XXXX income. 

On XXXX I transferred XXXX from my my XXXX XXXX  account to my sofi account. 

Td bank debited my account and release the funds on XX/XX/XXXX. Sofi said they were holding the funds until today There are several issues with this. Number one this hold is excessive as per regulation CC Which state 's funds must be made available within one to two business days It goes on to say however that the first {$200.00} must be made available immediately Already Sofi bank is out of compliance. There should have never been a hold in the first place because the amount of the transfer was exactly {$200.00} should have been made available immediately Furthermore if holds are made it's supposed to only be for one or two days. 

Even worse a supervisor at sofi said the funds would be released 10.10.

Today is 10.10.and the hold is still on I have no money for food or life saving meds This could cost me my life
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP (LA)

I just recently viewed my credit report and noticed that an item was turned into a charge off. I never received a XXXX According to the IRS canceled ( charge off ) is a ordinary income.Income does not get reported on consumer report. 
15 USC1681eb
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Tried to use the card at XXXX who does not require a CVV code. It was declined. Then tried it at XXXX that does ask for expiration date and CVV. That purchase was declined. Called American Express and they claim no expiration date and CVV were sent so it was declined. Card has a balance. Checked on redit and this is very common. American Express is committing theft by not allowing their cards to be used anywhere including in store.