davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Citi XXXX XXXX XXXX  credit card offers a service called XXXX which allows you make payment plans on expenditures over {$75.00} over a period of time. Service works with XXXX where XXXX lets you select this feature at checkout time and XXXX ( I believe ) pays the interest because when used through XXXX, the interest is always 0 % and the number of months given to pay purchase is based on total spent - as an example a {$100.00} charge will give you only the option for 3 months interest free in your Citi XXXX card while a purchase of {$300.00} will give you XXXX and 6 months options and a {$500.00} will give you 3, 6 and 12 months interest free finance options. Once you setup your card to pay something like the entire monthly statement balance PLUS your XXXX  MONTHLY AMOUNTS DUE, the system automatically figures out to charge everything you spent the month before MINUS the TOTALS in XXXX where it should only 'collect ' the monthly payment for EACH XXXX  PLAN. Citi is supposed to add any extra payments to the highest interest balances first. However, since they are all 0 % from XXXX, it should ignore these 0 % XXXX  plans and apply any extra payments ( beyond the prior balance and all required monthly XXXX amounts ) to the XXXX  with the highest interest/cost. However, here list the CITI BANK SCAM - it actually does NOT DO THAT, and it APPLIES ANY EXTRA PAYMENT XXXX the 0 % XXXX, BLATANTLY IGNORES the HIGHEST COST XXXX, and ANY EXTRA MONEY LEFT AFTER PAYING ALL 0 % XXXX  IS APPLIED TOWARDS THE XXXX ' MONTH 'S BALANCE for the MONTH that has NOT CLOSED YET. This is NOT what they explain to you because the BALANCE of the month that has YET TO CLOSE is 0 % - you HAVE NOT YET BEEN BILLED FOR THAT MONTH - this falls within the 30-day grace period which has not even begun yet because current billing period has not closed yet. So, I have the ONLY ONE XXXX XXXX LEFT ( {$1800.00} with an $ XXXX fee for 12 months - they don't allow you to choose any period LESS THAN 12 MONTHS 'EVEN ' if you are financing the minimum {$75.00}, which is ridiculous ) that I'm paying a FEE FOR and that one plan ONLY got it's MINIMUM monthly due amount applied towards it. This is NOT what I was explained MULTIPLE TIMES when I called to make sure before creating the XXXX  XXXX  and they won't fix the reallocation of my extra $ XXXX payment to no avail.
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX To Whom It XXXX Concern, I am writing regarding my Navient Student Loan, which was assumed from XXXX XXXX XXXX in XXXX, when the student loan unit was sold. In XXXX, a XXXX XXXX Representative talked me into consolidating XXXX loans ( 1 XXXX, 12 XXXX loans, and 8 XXXX loans ) into one loan under the pretense that my loan payment would be lower. 

However, the interest rate of the consolidated loan was over 9 % and has remained between 8 % -9 % for over 22 years. 

Additionally, I received a {$20000.00} Student Loan repayment bonus from the U.S. Army that was applied to the loan. Over the years, despite how many payments I have made, the consolidated loan total has not changed because of the absorbent interest rate that kept me in the same place. 

I contacted Navient many times requesting to be added to the income-driven repayment but was selected for a forbearance instead. Also, I believe my payments were mismanaged, especially since the Army paid {$20000.00} towards my loan and my balance is still over {$16000.00}. 

I would like to request that my loan be considered for discharge. I am a U.S. Army XXXX ( Service Connected ) Veteran and I believe some of my paperwork was lost in the process of the consolidation. I believe XXXX also mismanaged my loan ; however I submitted a CFBP Borrower Defense Claim ( # XXXX ) in XX/XX/XXXX, and it was denied. 

Most of the loans that I consolidated were federal direct subsidized or unsubsidized loans that are now consolidated into a variable rate private loan. 

Additionally, XXXX is one of the schools accused by the Federal Trade Commission of misrepresenting its job and salary outcomes through ads. The university also settled with the XXXX Department and borrowers. 

Thank you, XXXX XXXX XXXX, Illinois
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

This is my second attempt to resolve this matter with this company I called the XXXX XXXX team for further verification on why is this account still remands on my credit file. Bankruptcy number XXXX I spoke to XXXX CASE NUMBER XXXX and he told me LexisNexis verify this information and they should be held accountable for lying because I also asked the courts to verify using the same case number XXXX and someone else name was attached and saying they do not report to credit bureau so how is this information verify or is this company lying and refusing to do there job.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NJ)

I am filing a complaint regarding DriveTimeXXXX and their continued reporting of inaccurate information on my credit report. Despite multiple disputes regarding an auto loan account ( Account Number : XXXX ), they have failed to correct or delete the inaccuracies. 
The incorrect reporting is severely impacting my credit score and providing misleading information to potential future lenders. I have repeatedly contacted the company and the credit bureaus regarding these errors, but no resolution has been reached.
Consumer complaint received 2024-10-03
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. (MD)

I paid off a car loan and the company reported to the experian that the loan was paid off, in good standing, and closed because there was no more debt. Experian used the fact that I no longer owed this company any money to lower my credit score by XXXX points. Essentially saying stay in debt or well punish your credit score through our reporting tactics
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I recently pulled my credit report and found some unauthorized inquiries that is being reported. I have made a list of the inaccurate information that I would like to be removed. I am in the process of starting a business. Please see all attached documents and remove the accounts that are included in documents.
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (MO)

My XXXX XXXX XXXX was repossessed by credit acceptance on XX/XX/XXXX without notifying me in writing that my vehicle was at risk. I was not notified through the customer portal or via email as well. I have asked that the repossesion fee of {$320.00} be waived or proof of this notification be provided to me. I have been informed that the fee of {$320.00} will not be waived and that no such records will be provided to me.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (OH)

This is a third Party trying to collect debt that was confirmed as PAID to a third party company several years ago and I was assured the last time I sent in proof that this debt was paid that I would never have this problem again. I have sent a copy of the itemized payments from the insurance company to this debtor. I am tired of these companies doing this to me! This was from 2017!!!!! 
XXXX
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Despite the letter that the mortgage loan servicer sent me today in response to my earlier complaint this week, I just received two emails in a row from their insurance department claiming that my condo flood policy has still NOT BEEN UPDATED! See attached. That is the THIRD time this mortgage servicer 's insurance people have emailed me and claimed the valid policy is NOT valid. They are clearly COMPLETELY INCOMPETENT and they are failing to update the valid condo flood policy, which is again attached to this second complaint this week.
Consumer complaint received 2024-10-21
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. (OH)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : Unknown - Date of Charge Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter. 

Company Did NOT respond within 30 days. They reported their investigation was in progress as of XX/XX/XXXX, as of today, XX/XX/XXXX they have not responded.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I am writing to file a formal complaint against LVNV Funding LLC, care of Resurgent Capital Services L.P., for their misleading practices and potential violations of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ). 

According to my credit reports from [ Credit Bureaus : XXXX and XXXX ], LVNV Funding is listed as a factoring company on listed accounts : LVNV FUNDING LLC XXXX, LVNV FUNDING LLC XXXX, LVNV FUNDING LLC XXXX. However, they are not a factoring company ; they are a debt collection agency. This false representation is deceptive and harms my financial standing. As a result of their inaccurate reporting, I am facing undue financial distress and harm to my credit profile. 

Violations Involved : Fair Debt Collection Practices Act ( FDCPA ) Violation ( 15 U.S.C. 1692e False or Misleading Representations ) : LVNV Funding has violated the FDCPA by misrepresenting themselves as a factoring company rather than accurately identifying themselves as a debt collection agency. The FDCPA prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 

Fair Credit Reporting Act ( FCRA ) Violation ( 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information ) : LVNV Funding is providing false and inaccurate information on my credit report, in violation of the FCRA. Under the FCRA, companies that furnish information to credit bureaus have a legal obligation to provide accurate information and promptly correct any inaccuracies. 

LVNV Funding LLC purchases delinquent debt accounts at a significant discount and attempts to collect the full amount from consumers. This practice aligns with the definition of a debt collector under the FDCPA, not a factoring company. Factoring companies purchase accounts receivable and contracts, not delinquent debt accounts. By misrepresenting themselves as a factoring company, LVNV Funding LLC is attempting to evade compliance with the FDCPA and avoid lawsuits stemming from their failure to follow the rules. 

I request that the Consumer Financial Protection Bureau investigate LVNV Funding LLC and Resurgent Capital Services L.P. for their deceptive practices and ensure they comply with all applicable federal laws, including the FDCPA. Their actions have caused significant stress and confusion, and it is imperative that they are held accountable for their misleading practices. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Someone stole my Experian online account. Experian knows my name, phone number, and email address. I was not contacted in any way to approve any account changes. 
They only notified me that the email address on my account had changed. I contacted them that day to correct the error. It took them a week to respond. Experian is now forcing me to send them copies of personal identification to retrieve my account. 

These are wildly insecure practices. There isn't anything preventing this thief from stealing my account again once I get it back.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

This is a follow-up to complaint XXXX. Truist is showing a missed 30 day payment in XX/XX/year>. I was under bankruptcy protection. I've tried several times to have this fix this delinquent marker. This is inaccurate and has a significant impact on my credit report. This needs to be fixed.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/year> I made a Venmo account for my friend to send me {$600.00} to pay for my insurance and as soon as the money got into my account and I tried to use the funds and my account was suspended for absolutely NO REASON! And I am in NEED of my funds AS SOON AS POSSIBLE this is not right!!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (KS)

LVNV Funding LLC has opened an account and reported on my credit report. In accordance with the credit bureaus, the account was opened XX/XX/XXXX, in the amount of XXXX. No collection data was reported on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Geneva Financial, LLC, Chandler, AZ Branch (MO)

On XX/XX/XXXX XXXX XXXX of XXXX XXXX. XXXX & XXXX XXXX XXXX XXXX XXXX MO, ran a credit check on both me and my husband without permission. We purchased a home in XXXX of XXXX, and obtained our loan through XXXX XXXX ; that is how they have all of our information. XXXX reached out to get us to refinance our loan. I had a few text exchanges with XXXX XXXX about questions pertaining to refinance. My husband, XXXX XXXX never spoke with him at all. 
I received a credit monitoring notification that an inquiry into my credit was made. XXXX confirmed that he did run a credit check on me and also my husband. Neither us us gave consent ( I have the text conversation to prove this ) for him to run the reports. I informed XXXX XXXX that we never gave consent and requested that he immediately request that it is removed. He text me that it was just a misunderstanding and he was sorry. That is unacceptable and it was NOT a misunderstanding. It was a violation of my and my husbands rights. I do not know what recourse we have here, but this is not ok! You can not violate privacy and rights, just because you have their private information. Especially to gain a sale!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sensible Auto Lending, LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Dear, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$18000.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

Chime sent me a debit refund check dated XX/XX/year> for the amount of XXXX. There was no information attached. I researched and found out about your case against them. Also found out that people are not able to cash the checks the the bank that they are drawn on, XXXX XXXX  XXXX. What I should I do in this case? 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (CA)

XXXX a debt refinance company recently went out of business and sent a email stating my APR would be locked in and remain the same throughout the life of the loan. I was just informed by the company they transferred my debt to that it would skyrocket to 23 % APR. I can not afford this and think this is very irresponsible of this company. Many people can not afford this high of a APR. This feels like I got scammed into a company thinking they could help me but ended up getting told lies.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all XXXX credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the 3 reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help in this matter.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (TX)

I have submitted nine separate requests to investigate discrepancies in my credit report, but I have not received any responses. Each request has involved expenses for time and postage, yet there has been no resolution or acknowledgment from the reporting agencies. This ongoing issue has caused significant inconvenience and financial burden without any progress towards a resolution. I urge the CFPB to look into these unaddressed requests and the lack of communication from the agencies involved.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

On [ XX/XX/year> ], CashApp wrongfully closed my account without any prior notice or explanation. I have not engaged in any activities that would violate CashApps terms of service. I rely on this account for [ payments, transfers, feeding family, work ect ], and this closure has caused significant inconvenience. Despite multiple attempts to contact their support team, I have not received any clear explanation or resolution. 

I would like CashApp to immediately review and reopen my account, or at least provide a detailed reason for its closure and ensure access to any remaining funds in the account. 

I have provided transactions down below from both cashapp and my bank to insure that both are accurate i have my photo id i did not attach that i have a picture of my self i can take one of me holding the id if needed my name is on the id and the account so is my phone number