davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DE)

I have a Citi Aadvantage Mastercard ending in XXXX. I dont actively use the card and I received an annual fee of {$99.00} in XX/XX/XXXX. The payment was due on XX/XX/XXXX and I remember making the payment on due date but it posted on XX/XX/XXXX. While the statement didnt close until XX/XX/XXXX, Citi charged me {$30.00} late fees and finance charge of {$1.00}. I had no idea that this late fee and finance charges were on my account. Then in XXXX I received another late fee and finance charge. Now I had a balance of {$63.00}, all made up of just late fees and finance charges that were initiated by a payment made on time but posted a day late. I only noticed because I was just checking my accounts online and saw that my account is past due. 
I called Citi because my main concern is being reported to the credit bureau. The customer service agent said he could only waive 1 late fees and I need to check with credit bureaus if this account was reported late. 

I just made the payment of {$63.00} but am writing this complaint because I feel this was unfair to be charged late fees and finance charges for an annual fee on a card I dont use. Yes, I should have canceled the card if Im not using but the flip side is that Citi should also have been a bit customer friendly and waive these late fees and finance charges that originated because a payment was posted a day late.
Consumer complaint received 2023-01-13
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 — Was not notified of investigation status or results
Company: Conn's, Inc. (TX)

Disputed this item several times with the 3 credit bureas and this company. 
CONN APPLIANCES , INC . 
XXXX XXXX XXXX, TX XXXX The bureas and this company repeatedly says verified but after several attempts I have not recieved verification. There both are violating my consumer rights!

They need to please evidence there authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) .Our I will proceed with litigations if not verified properly per my lettered document attached.
Consumer complaint received 2023-01-13
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. (GA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALABAMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (NV)

XXXX XXXX XXXX this Pentagon Federal Credit Union debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and Pentagon Federal Credit Union ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.
Consumer complaint received 2023-01-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc. (CA)

Cashapp has a check cashing feature. The feature was absent on my instance of the app. 
I contacted support to inquire about why I didn't have the ability to cash checks. They denied me access to the service and refused to give me any explanation as of why. They only said it is not overridable. I suspect they are discriminating against me, so I would like an explanation as to why other users are able to cash checks on cashapp but I am forbidden. 

Also, their fees are obscene and I suspect they are cheating me on my daily buys by using bogus price quotes.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (HI)

I had a credit card with XXXX XXXX which they closed for no reason. I was paying it off monthly. I have been working hard to get all my debts paid and make sure my credit report was accurate because I am trying to buy a house. I made my last months payment and due to an error in THEIR system it drafted from my old account so my payment was returned. They were calling me XXXX times a day but the number doesnt come up, it says spam and they were calling while I was at work. Once I realized the error I immediately paid and the payment cleared BUT they had updated on my credit reports that the account was past due and that I owed {$240.00}. I owe {$140.00} and this balance will be paid off with my next payment. Also, it says I have a past due amount which I have a screen shot of saying I do not. I couldnt get in touch with XXXX XXXXXXXX because I no longer have this card and when you call you need an account number or they hang up on you. So I cant even dispute this with them on my own. As a result of this situation my credit score dropped XXXX points with experian in one day. And it dropped XXXX points with XXXX. All of the work Ive done with my credit in the past year is completely invalidated. The credit reporting agencies are very quick to report one error but will not report/update the inaccurate information. Its very frustrating and unfair.
Consumer complaint received 2023-01-13
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. (PA)

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I made a payment and verified I had funds to cover payment. XX/XX/XXXX in the morning it was returned and I contacted Capital One to see what had happened. I was told my account was blocked to speak to fraud. I validated some transaction and made the same payment again which went through. He stated that I can use the card after XX/XX/2023. Mentioned the return payment could have been due to the block on the account. The next day I received an email that the payment had declined again which it did not. Right after the email I contacted Capital One to find out they had closed my account.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My credit report has XXXX XXXX as an employer. I have NEVER worked for them. 

I work for XXXX XXXX XXXX in XXXX Indiana XXXX : please remove inquiry from my report. I only agreed to a silly inquiry Kohls : please remove charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full. Same issue happened with XXXX..small account but is hurting my credit XXXX : please remove charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full l. Same thing happened with Kohls. Small account but hurting my credit
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX XXXX. I am a living man bringing a complaint against your company for the damages caused to me. Your company is reporting an incomplete account to my consumer report. You claim to have verified this information but it is still incomplete and inaccurate on my consumer report. You are reporting an account with an abbreviated name XXXX XXXXXXXX is reporting a date last active of XX/XX/22, EXPERIAN is reporting XX/XX/22, and XXXX is reporting XX/XX/22. How can this happen if the consumer reporting agencies claim to maintain maximum accuracy? I have told you about the payment history being incorrect and you still did not fix it. I have never been late on this account. The payment history should be updated to all dates paid as ok.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

My problem is paypal banned my account last XX/XX/2022, I comply with their policies with no disputes and still they shot down my accounts. My money was lost in my account and I dont know what to do for the year i only find your site from friend. Thanks for help, I only want to restore my account.
Consumer complaint received 2023-01-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}.
Consumer complaint received 2023-01-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the 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 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (SC)

Despite emailing, calling & sending messages via the Mohela website I have not heard anything regarding the submission of my latest PSLF form for Employment Verification back on XX/XX/2022. I have waited for an extended amount of time on hold on several occasions, and have yet to be able to speak to a representative. My submitted employment verification should bring my qualifying payments to over XXXX payments. But I have been stuck in limbo with no insight as to when my PSLF form will complete processing and subsequently, my loans forgiven. This debt looming has taken a major physical toll and mental toll on my health. I am riddled with XXXX I am unable to even get a call back a reply is that so much to ask?
Consumer complaint received 2023-01-13
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : $ - ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Originally XX/XX/XXXX I was supposed to co-sign for a car loan, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX deceived me into signing a contract in my name as full owner. Loan Contract started XX/XX/XXXX with Credit Acceptance Corporation, the next day I tried to call into the customer service to rescind the contract and was told yes only if the auto lot would agree. They disagreed even though I had been complaining that the car was already giving trouble, reported as electrical issues, I tried to file it as a lemon. Fast forward the driver which was the real owner of the vehicle who had been making all the payments to credit acceptance through her bank account contacts Credit acceptance about payment arrangements due to loss of employment. Finally one representative called me XXXX asking for a payment I explained although car was signed by me I was not the physical owner XXXX XXXX XXXX XXXX and had no way of making payments. Covid 19 comes in and payments are put on hold due to pandemic, the arrangements that was made with the driver at the time were then rescinded. I reached out to Credit acceptance asking that payment history be emailed or mailed to me ( XXXX XXXX ) and was never received accurate information. 

Never contacted via mail or phone call and then Repossession of vehicle around XX/XX/XXXX took place. after a vehicle is in the possession of a finance company, there are at least two notices required ; The initial notice is a Notice of Resale Date was never sent. Per my Credit acceptance contractGetting the Vehicle Back After Repossession. If We repossess the Vehicle, You have the right to pay to get it back ( redeem ) at any time before We sell, lease, license or otherwise dispose of any or all of the Vehicle in its present condition or following any commercially reasonable preparation or processing. 
XXXX balance reported {$7300.00} to {$7500.00} XXXX balance went from {$11000.00} decreasing to {$6800.00}. 
Under section entitled 9 A ten percent ( 10 % ) penalty per month shall be added to a refund that is not paid or credited within forty-five ( 45 ) days after return of the service contract to the provider. Now credit acceptance is adding late fees and every month reporting inaccurate balances that I owe, without contacting me about the balance that was owed after the resale of the vehicle that was not in a condition to be sold.