davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (UT)

We set up auto pay on Sofis website to avoid any late fees. XXXX and XXXX XXXX payments were made. Looking at the payment history these 2 payments were credited to our account in error. So 2 payments in XXXX and 2 in XXXX. This equaled 4 payments instead of the 2 we made. This error was noticed in XXXX and 2 payments reversed. 4-2=2. However because correcting Sofis clerical error resulted in 2 reversals in XXXX it showed we did not make XXXX payment which in fact we did and it was received XX/XX/XXXX. So it showed we were delinquent and behind on payments even though we were not so then it kicked off the auto pay for XXXX. So Sofi tried saying we were late for both XXXX and XXXX. They have since sent harassing mail to help with mortgage payments and have called my employer when all of this directly reflects their clerical error. I brought it to their attention on XXXX and today is XX/XX/XXXX with no resolution in sight. I called XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX spending over 2 hours on each phone call between wait time and talking with a representative. The representatives not only were rude but claim they did not see the miss accounting with 2 payments in XXXX, XXXX in XXXX and several said they saw the reversal but didnt know what happened and could put in a ticket to investigate it. No one can give me updates. They cant transfer me to anyone to follow up. No supervisor can call me back. They even sent me to collections department rather than acknowledging their error and fixing the situation to show I did make the XXXX payment. Since their error resulted in XXXX payment not being drafted we wanted to wait till XXXX was accurately posted to make the XXXX payment however in the mean time finally yesterday XX/XX/XXXX out of fear of my credit showing Im behind 2 months mortgage I made 2 more payments ( a second one for XXXX and my XXXX ). This now us making 4 payments for the year- 1 in XXXX, 2 in XXXX and 1 in XXXX. I did not want to make 4 payments to be credited for 3 months of payments. I had to because Sofi conducted a fraudulent act by taking my XXXX payment and not posting it accurately then harassed me to make a payment that I already made
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

The issue is that, before the transfer of my federal student loans to XXXX, my then-student loan servicer Fed Loan Servicing gave me an incorrect determination for my XXXX request. The timeline of events is as follows. 

On XX/XX/XXXX, I uploaded to FedLoan Servicing a XXXX Application. The Application came with a letter signed by me explaining that I sought XXXX for three specific loans which I had had since XXXX or before. Furthermore, I explained that I was XXXX XXXX in the XXXX from XXXX until XXXX. So, from my time in the XXXX that's approximately 8 years that should count towards the 10 years required for XXXX for the loans I specified. In addition, since XXXX I have been working at a federal agency, so that should count as an additional year toward the 10 year requirement. 

My letter also explained that because I am a veteran and my ex-employer the Department XXXX XXXX XXXX XXXX is difficult to work with, I could not find who at XXXX should sign Section 4 of the Application ( Employer Certification ) that certifies that I worked at that employer for an amount of time. Instead, I provided my official letter from the Department XXXX XXXX XXXX that said that I was XXXX XXXX and that I entered service XX/XX/XXXX and was XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my XXXX Application was received by XXXX. While I waited for it to be processed, I went ahead and paid off one of the three specified loans in my Application, because it was such a low balance. 

On XX/XX/XXXX, I received notice that my PSLF Application Determination was made. The Determination said that there was missing information, the Employer Certification. So, XXXX XXXX did not accept the official letter from the Department XXXX XXXX XXXX. 

On XX/XX/XXXX, I received notice that my loans were transferred to XXXX. So, now it's XXXX 's problem. 

This series of events is problematic, because I have since found out that consumerfinance.gov has resources for veterans applying for XXXX that explicitly says that alternatives to Employer Certification exists. So, XXXX was able to process my XXXX Application and grant me the approx. 9 years of service towards the XXXX for the specified loans. FedLoans Servicing malfeasance has several negative waterfall effects. For one, I have to repeat the XXXX Application with XXXX. Second, XXXX is currently overwhelmed and difficult to communicate with as a result. Three, and this is a major concern, because of the {$20000.00} Debt Relief granted for which I qualify, there is a great risk that the Debt Relief will be applied toward the specified loans in my XXXX  Application for which I do not want Debt Relief since I am so close to satisfying XXXX  requirements. I'd rather have the Debt Relief applied to my more recent federal student loan debt which I incurred in XXXX - XXXX.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (TN)

I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

dear discover, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely,
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Equifax reported XXXX owing from XXXX XXXX on XX/XX/XXXX ( Sunday ). On behalf of XXXX XXXX who informed me the account was charged off XX/XX/XXXX off of report. Gettin financing for purchase of condo. Paid off accounts to increase credit score. On XX/XX/XXXX received alert from XXXX XXXX. XXXX XXXX reported collection for {$230.00}. Credit was repaired and no reporting from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I received no letter or phone call requesting payment dropped my score 40 points. Lender stated had never seen this during his 30 years plus in financing homes. Contacted Equaifax on XX/XX/XXXX three representatives told me to call back 2hrs. System updating, one hung up on me. This was Monday at XXXX. No report from XXXX to transition. Received report of investigation today from XXXX  debt removed. Raised red flags for me. Equaifax is fica score used for mortgage lenders. Exquifax called me today and gave back call back number. Placed call told department did not deal with disputes. Transferred to Representative named XXXX who asked me for my ss number etc. I was blown away when asked what day I filed dispute, this information would have shown on my report. There is really a problem with Equifax. Sent email to exquifax corporate director of credit  reporting. XXXX XXXX reported to exquifax with malice and intent to drop my score. Please investigate this matter too many red flags. The last representative stated they were not here for me to make phone call to XXXX XXXX. Company gets 30 days respond, yet company took 4 months to report debt at the exact time I had a score to receive my approval letter. 40 point drop was for {$230.00} which was never on report and unknown by me
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

Amount {$49000.00} My mother passed away in XXXX ' and I have provided the company death certificates and a letter from the state of XXXX that was issued upon her death with me being the sole heir along with a copy of her will. 
Both of my parents have passed, my father XXXX ' and My mother XXXX '. 
Even after proving this information the bank will not close the account and release the funds XX/XX/XXXX. The vice president told me to come and he would cut me a check to close the account and when I drove from Massachusetts to XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, he told me he was sorry and he would need more information. The bank has copies of all this information and still refuses to release the funds requesting additional documents.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Tried transferring money via XXXX to another account. My bank refused to make the transfers. I sat on hold for 1.5hrs and was told by 3 reps that it was " fixed ''. It never was and I'm not able to transfer money out of my account. This is causing personal accounting errors because my bank offers XXXX. It appears they are constructively making it very difficult to use so that I won't use it. They said they will block transfers in the future with no reason.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

On the evening XX/XX/19, after making a cash deposit, and bringing my account at a positive balance, I reached to contacted Chase call center to see how could a NSF of {$34.00} charged on XX/XX/XXXX could be waived as a 1x courtesy. The Chase phone rep agent advised that they couldn't do anything and that i needed to wait until XX/XX/2019 to be eligible. However, the morning of Saturday XX/XX/19, I learned that an additional 3 nsf 's fees, {$34.00} a piece totaling {$100.00} was charged to my account and my cash deposit was conveniently pushed to XX/XX/19 which was the following Monday. This isnt the first time that  Chase has done this very questionable practice, but it is the first I'll be outspoken about it. If I understand correctly, deposits are posted first, followed by charges from largest to smallest. This isnt the first I've made deposit on this manner and no fees has been accessed. 
I work very hard. It is disheartening to see one hard earned money is been eating up by unfair bank practices.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

In XX/XX/2015, I went to BestBuy during tax free weekend to purchase a laptop for college. At checkout, I was offered a BestBuy credit card and was told there would be no minimal payment for the first 12 months by the casher who signed me sign up for the card. I signed up and purchased my laptop through the card because it was a no brainer. Since I was going to college, being able to pay for the laptop overtime later on was helpful at that time. I moved to XXXX XXXX to go to college soon after. I did not receive any mailed statements from BestBuy while at XXXX XXXX because they were being mailed to my old address. It was not until I noticed a huge drop in my credit score that I looked into the problem and discovered it was the BestBuy/citibank credit card reporting that I had not made any minimal payments. I immediately called BestBuy explained what I was told by the cashier at their store when I signed up for the card. All the lady did was take off one month 's late payment. I went ahead and paid in full and closed the account. However, they are still reporting 60 days of " delinquency '' in my credit history which is affecting my credit reports and score. It has almost been four years since this happened and I have called BestBuy to try to resolve this with them several times. I have also filed multiple disputes through the credit bureaus but none have been successful.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hi, I contacted PayPal earlier today ( XXXX XXXX ) & talked to PayPal assistant about my PayPal account closure I recieved email around XXXX & was surprised about this as i use this PayPal account to sell handmade stone ornaments on XXXX & recently added XXXX payments to my PayPal account ( in the last 2-3 weeks ) in which i use XXXX to sell trainers & sell i have According to advisor, she has noted this & stated appeal has been made about the closure of account & PayPal should be in touch in at least 48-72 hours. I'm not sure what problem i had to recieve account closure email- i have few orders which needs to be dispatched & have done for a while- no problems whatsoever- all my items are recieved by the buyer I had failed bank payment on the XXXX XXXX which i recieved a email from PayPal during the weekend & noted as i cancelled the order ( from XXXX via PayPal which the bank took ). I contacted XXXX to cancel the XXXX  fee which they did so they refunded me the XXXX  fee & I refunded the buyer their money back- the XXXX  fee was taken from my PayPal account & charged to my bank however i cancelled it hence why it's stated as 'failed payment ' but was a refund via PayPal to my buyer ( i think that's the problem but entirely sure as i wasn't given reason why ' Hopefully the appeal is successful, i just wanted to provide abit more detail on the issue so its clears up some things for you- really did the funds so i can pay my utility bills & have food so would be devasting if i have to wait 180 days till its cleared Kind Regards, XXXX
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2018. I opened XXXX XXXX credit card. I lost my card after sometime and didnt setup the online account and couldnt do the payment on time. They closed my account and put in collection when I called. I paid the money right away and they said account will be removed but it shows as charge off/collection and negatively effecting my credit. My request is to remove this account from report.
Consumer complaint received 2021-03-15
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: Rocket Mortgage, LLC (VA)

XX/XX/XXXX : used two free tools on Rocket Mortgage website Began receiving notifications of credit pull XX/XX/XXXX, became aware it was a hard inquiry on Monday XX/XX/XXXX Found unfamiliar loan associated with log in on XX/XX/XXXX Contacted support and asked them to provide any record of FCRA consent and/or copy of my application. Support was unable to view or locate an application for my account although they could see I had a loan associated. Support asked if I would like to speak to a research specialist and I declined as the multiple calls I'd received already today made me suspect the " research specialist '' would be making sales pitches. I told Support I would prefer they log my complaint as a FCRA exposure and disconnected.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CT)

I entered into a lease agreement with the leasing company, XXXX XXXX XXXXXXXX  in XXXX Connecticut, on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXXXXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX  were notified that my roommate had been seen acting violently towards my dog, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXXXXXX counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and XXXX served summons on my roommate. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX XXXX counselor as supporting documents to XXXX XXXX.
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp. (CA)

I want to bring the the CFPB 's attention a mailing advertisement that is highly misleading, as it uses official language and symbols, promises that they can recover lost money, and tells people that they must act quickly. Only in the fine print do you realize it is from a mortgage company. This ad is meant to deceive.
Consumer complaint received 2021-09-09
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. (NY)

i am a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

on XXXX i sent dispute letter to Wells Fargo concerning account # XXXX about the method of verification they used to determine the accuracy of this account. They failed to respond to my disputes and it has been over 30 days which is a FCRA violation.As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX