davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NV)

I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. XXXX  according to XXXX XXXX reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

The SoFi Team sent me an email on XX/XX/2024 stating that my account was temporarily restricted, that I was unable to deposit nor withdraw funds from my account, and that I needed to call to speak with a representative about my account. Since I had no time to call to discuss at the time and had a different bank account to use while it was restricted, I did not call back until XX/XX/2024. 
After calling on XX/XX/2024, the fraud prevention team informed me that my account was being closed and that I was " not entitled '' to any remaining funds in my account. No additional information was provided by the representative, including any explanation for the account closure or the seizure of my remaining account balance, INCLUDING the bonus that I was entitled to per their terms of creating a new account and fulfilling their bonus program terms in their entirety. 
Upon asking to speak to a representative or supervisor who could provide more information, the representative stated that they were the last person that I would speak to from SoFi Bank, that I could not speak to anyone else. Additionally, after stating that I would be submitting a complaint with CFPB if I could not resolve the matter with SoFi directly, the representative stated that there was nothing else to discuss and hung up the call. As of now, my account is closed and my remaining account funds were seized without any provided explanation.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (AR)

XXXX ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.
Consumer complaint received 2020-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

When graduated from school and joined the military, I consolidated my student loans in order to get into a payment program to be eligible for PSLFP. Now that I'm close to 11 years of service, only to found out that the payments made to Great Lakes Doesn't count. Each year I recertify my employment and was advised by the companies agents into the repayment type. I was always advised that these payments is eligible for the PSLFP, which is why I kept making them for YEARS!!!! 

I just want the payments I have made to be reflected in the total count. Why is this servicer still in business when it consistently shaft students and so many people in public service?
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Please remove the following inquiries from my credit report. Due to identity theft XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following : 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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

In XX/XX/XXXX, I refinance my home mortgage loan with Dovenmuehle Mortgage , Inc . I paid all closing costs ( including a full amount of homeowners insurance policy premium ). The closing documents stated that my monthly mortgage payment was going to be {$2200.00} ( including Principal, Interest, and Escrow ). 

I have been paying the monthly payments on time and in full every month. In XX/XX/XXXX, it was time for my homeowners insurance policy renewal, which Dovenmuehle Mortgage , Inc was in charge of paying since they already hold my full amount paid in advance at closing ( and they have been collecting monthly contribution to escrow to account for the XXXX HOI renewal ). 

I received a letter in the mail from my insurance provider stating that they have not received the payment for renewal and that my policy would be lapsed if they don't receive the payment on by the courtesy extension date. After numerous calls to Dovenmuehle Mortgage, Inc ( worst ) customer service lines, they advise me to pay for the policy renewal out of pocket to avoid lapsing my insurance and that they would reimburse me. I paid it out of pocket, and after a few more months, and many more calls, and explanation of the situation to various customer service agents, and getting my mortgage broker involved, they send me a reimbursement check. 

After that, they adjust my monthly mortgage total payment amount by {$100.00} to adjust for what they claim to be a shortage in my escrow account of a total = {$1200.00} for not having enough funds to cover for my insurance policy renewal. I email, call, ask for supervisors, and explain many times. I got my mortgage broker and his brokerage involved and had them email Dovenmuehle Mortgage, Inc and explain there's not supposed to be any shortage since I paid OUT OF POCKET, AND AT CLOSING, AND HAVE BEEN MAKING ON-TIME PAYMENTS! NOTHING!!
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

I have a XXXX XXXX loan my servicer is Suntrust Bank. I applied for a loan modification because I was experiencing a hardship and I was 30 days late in my payments. I submitted a letter and all the relevant documents. I was denied because the home was not my primary residence. I appealed and received a letter stating that the deadline was XX/XX/2019 to provide Suntrust any documents for my appeal. On XX/XX/19 I sent a letter to Suntrust with a copy of a document addressed to me at the property. I called to verify receipt and was told that the underwriter wanted a copy of my license. On XX/XX/19, I called and the XXXX XXXX told me that the license was not readable, and so I sent another copy. On XX/XX/19 I received a call from my loan representative XXXX XXXX who stated that I was denied because the time had expired and I did not provide the paperwork to her in a timely manner. On XX/XX/19 I spoke with a supervisor Ms. XXXX who said that I was sent a letter on XX/XX/19 stating that the reason my appeal was denied was because I was employed. Further, I was not offered any further assistance. During the phone call, Ms. XXXX stated that she could " see the chain of events and that it would be dealt with ''. She asked me to take a picture of my license and send it again. After I did so, I contacted Ms. XXXX to verify receipt. Today at XXXX XXXX., Ms. XXXX called me and left a voicemail stating that she had an answer. I have tried to call Ms. XXXX several times and she has not returned my call. I have contacted XXXX XXXX about the lack of customer service I have received and the fact that I am getting the run a around with Suntrust. I have provided all of the documentation that they asked for, and they have not addressed why they have denied my loan modification. I am asking for your assistance to resolve this matter with Suntrust in a timely manner. I will attach documents as needed.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX
Consumer complaint received 2017-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CO)

In XX/XX/XXXX Paypal placed a limitation on my account that is linked to a website that I opened in summer of XX/XX/XXXX. I am a XXXX XXXX living in XXXX, Colorado and I started this as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything is shipped from my house and I do everything myself. After 2 months of hustling I designed a product based on my customers feedback and it was an instant success. Starting XXXX I started making sales over {$7000.00} per day and the Paypal system flagged my account. I submitted all the documents that they asked for and that same day they came with the decision to limit my account permanently and now they are holding roughly {$52000.00} for 180 days. They just told me that my account was marked as high risk but they did not provide any further information. I kept asking and they just said that it was too risky for them to do business with me. I do everything the right way and I even provided them with all the information about the product I sell, the supplier, the invoices, etc. At this point I do not care if they hold my funds, I just want to be able to use Paypal again because my product sells around 50 % more if I have Paypal available in my account. I am willing to work this out because my company is transparent and takes the customer satisfaction very serious. I had very few complaints and felt like the limitation was completely unfair because I have been working for this over 3 months, day and night, and the USA system is known to reward those who are willing to work hard and deal with problems.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I had a checking account with XXXX XXXX XXXX XXXX that had approximately {$12.00} in it. It was an account I didn't use for much of anything, as I have another bank account that I use regularly. Around the very end of XX/XX/2017 and beginning of XX/XX/2017, while I wasn't even in the country, several unauthorized small charges were attempted multiple times, prompting XXXX to confiscate my {$12.00} and concoct approximately {$300.00} worth of fees. I explained to XXXX  that these charges were not authorized by me and that I wasn't even in the country at the time. Pursuant to XXXX 's instructions, I submitted a dispute form which I still have a copy of. The person handling this dispute with XXXX was very rude in the responses to me, failing to properly adjudicate this matter. XXXX claims I owed them approximately {$300.00}. I would have no problem paying an amount that I actually owe, but XXXX owes me my approximate {$12.00}. XXXX put a derogatory charge off statement on my credit report, which is showing to this day. I have repeatedly attempted to contact XXXX to get this matter resolved, but XXXX has no intention of doing the right thing. That's why I am contacting the CFPB, as I hope to avoid having to travel to XXXX, NC, for a court date, but my next step if this can't be resolved is to take XXXX to court.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The company did its investigation, saw that the payments were made fraudulently via their company error, they sent me a letter reversing the charge and then proceeded to make a statement showing they returned the payment twice to my bank account, they did not, however they only returned XXXX XXXX XXXX fraudulent charge and proceeded to charge me two late payments for their mistakes or negligence with my bank account information and whoever created the false payment via their system.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (GA)

When I opened the Money lion account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-06-20
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)

XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.As Defined by The IRS. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inBy Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate!