davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (SC)

I took out a title loan with Title Max in XXXX, SC in the amount of {$5500.00}. I realize that it was a XXXX  move but I really wanted to help two family members that were out of work and were really struggling. So yes it is my fault that I took out the loan. The issue that I am having is that it is a very predatory. I keep paying and the balance continues to increase. I do not want to lose my car that I worked so hard to payoff. 

I do not mind paying back my debts but I would like to know if the terms can please change so that I can pay off this loan. I got the loan on XX/XX/XXXX and I have not missed a month and it is now XX/XX/XXXX and I owe more than what I started with. It shows that I own {$5800.00} that I have to pay on XX/XX/XXXX. 

Now, they have the nerve to offer me a loan with current available cash of {$1200.00} that I refuse to take out. I am very stressed. I don't know how I am going to make it if the balance continues to go up and it is the only car I own. 

I realize that I made a mistake in getting this loan but I did not know that it would be impossible to pay back. Please help me. I feel they took advantage of my distressful situation. I need to fix this bad situation but I do not know how.
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Multiple calls placed to Mohela without any valuable answer or data received back with continued expectation to make inaccurate monthly payments. One manager told me that we ( student loan holders ) typically know more than them faster and that they get a lot of misinformation. She went on to say she would say more, but she needs her job. 
I could not get an answer on how my current monthly payment were calculated. Changed from REPAYE to SAVE. I believe I should be paying a lot less. I requested specifics on how they got my monthly payment. Never received. I said until there was an understanding/accuracy of monthly payment, I shouldn't have to pay. She said that there is a grace period until XX/XX/2024. Essentially the F up period. I have never gotten any grace period for them to accurately update my monthly payments and have been expected to overpay. So I have since XXXX. In addition, my counts on my 17 loans are off 0- 2 payments under where they should be. I submitted for this to be corrected with specifics and have gotten no where. 
I discussed with a representative last XXXX about consolidating all of my loans. She said that I could do that, but the time under the consolidation would not count toward forgiveness. I did not consolidate because of this. Now I learn that the time of consolidation would have counted toward PSLF. Since the XXXX XXXX I have now been afraid to consolidate with concern that my count would go to XXXX. 
I have first hand knowledge of student loan repayers that have had to make no payments since XXXX, with only one of the above being a problem for them and it counting. Reporting ineligible, but stating they have been assured it would count. I have gotten no such grace. 
I have been making monthly payments of $ XXXX since XXXX. These payments have been stressful/financial burden and taken an emotional toll on me. As a result I have had decreased energy and time to work dealing with all their inaccuracies. 
Told multiple times I had to recertify in XXXX, then it moved to XXXX. They sent me a letter saying if I didn't recertify my monthly payments would double. They have acted like a XXXX with no accountability.
Consumer complaint received 2024-03-26
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (NY)

One of the debts that was ostensibly settled through Freedom Debt Relief was a $ XXXX debt to XXXXXXXX XXXX that was supposedly settled for a little over $ XXXX. When I graduated the program there was no documentation of this debt ever having been settled provided to me in my graduation packet and the debt still appears on my credit report as past due/charged off. When I contacted the creditor, they stated they had no record of the debts ever having been settled, and attempted to collect from me over the phone at that time. When I contacted Freedom Debt Relief, they assured me that they would open a file and find out what happened. This was nearly a year ago. Every time I contact Freedom Debt Relief now, no one knows what Im talking about - and the issue remains unresolved. I have no proof that FDR didnt just steal that money from me, because the creditor claims never to have seen a XXXX  of it, and FDR cant tell me where it went. Please help.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Polk Auto Finance Inc (FL)

I became I'll an could not afford my payments, so initially I told them I could not longer pay my payments, so they picked up the car the first week of XXXX, I called them the following week to ask them where they took my belongings, they gave me a phone number, my payment history on my credit port is not accurate, they have a XXXX on my credit report, but as I stated I was never given any correspondence about the car after they came an got it my balance owed was about XXXX I have been trying to find out how much they sold the car for but to no avail, since legally they are sispose to send me correspondence about the repossession an the sale of the car an they did not I would like this removed from my credit report
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have just been aware that my consumers information was breached thru XXXX data breach and accounts have been opened under my name fraudulently. I have been working closely with XXXX and TransUnion. XXXX has been a tremendous help but fails to have everything/all accounts removed deleted or blocked after showing them a ftc report cfpb report and a XXXX report. 2 accounts remain and I have received emails from XXXX stating that XXXX and XXXX ( 2accounts ) were verified as accurate without any verification process ( affidavit and validity of debt, signed contract with wet ink signature by me consenting the account and the reporting to trans and XXXX ). I have also wrote these two companies physical mail letters cert mail after the fact letting them know I was a victim of fraud and sending attachment files. I even offered to sign a 1099-c so they wouldnt incur a lost to have them delete the account and trade lines from my report in good faith. They have failed to write back or help delete and report all accurate information on the consumer report as per congressional findings and other federal laws. 
Please help me find justice and be heard by removing these accounts or sending proof of claim of debt.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CA)

For CreditKarma.com they have offered/advertised numerous credit cards with a 90 % or higher chance of getting approved and after applying resulting in a hard inquiry on my credit report I was declined. My logging.emailed address for their site is XXXX. 

As a result to this day, I am still trying to repair my credit report as the hard inquiries are still showing up and I'm unable to get approved for a auto loan or personal loan and have had financial troubles with my credit in general after using credit karma 's advice. The last last
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC (NC)

Subject : Cease Unauthorized Credit Reporting Immediately Reference to FCRA and North Carolina Identity Theft Laws Dear OPPLOANS/XXXX XXXX, I am

writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina Identity Theft laws , specifically North Carolina General Statutes 75-60 . It has come to my attention that OPPLOANSXXXX XXXX has

engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as per the FCRA, mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, North Carolina state law, particularly North Carolina General Statutes 75-60, stresses the necessity of consumer consent for credit reporting and underscores the severity of unauthorized access and misuse of personal information. I assert that I have not provided consent for OPPLOANSXXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and showing a disregard for federal and state laws. 

I demand that OPPLOANSXXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and North Carolina Identity Theft laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not optional but a legal obligation under these sections of the FCRA and North Carolina state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and urge OPPLOANS/XXXX XXXX  to promptly rectify these violations, respecting my rights under federal and state laws.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

Per the fair credit reporting act, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you. Written unwritten verbal and non verbal per 15 usc 6802.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

I have tried to pay loans multiple times, and each time they say that the payment was reversed. An AidVantage representative told me that they had a routing and account number on file that I did not recognize. I have no idea whose routing/ banking information it was and that terrified me because I do not know whose information was connected with my social security information and my loans. 

I have now accrued more interest due to this problem with an incorrect routing number, when I have attempted to pay to avoid this. 

Any help and guidance would be greatly appreciated.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed. I will be seeking damages at this point. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

Citibank credit card as today Send me statments in XXXX. 
I have paid both credit cards I full. For my surprise they send a new charges for XXXX with the insterest charges from the previous balante that was paid in full according with their bank statement send to me. 

XXXX XXXX : Due date of XX/XX/XXXX of {$7600.00} Paid on XX/XX/XXXX in total. 
Interested on XX/XX/XXXX {$100.00}
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (MS)

Within the past 30 days, I started receiving robocalls from Frost Arnett. I didn't answer the calls because my XXXX call filter app marked the incoming calls as a robocaller and potential scam. There were never any voicemails left to indicate who was calling and what business they had with me. I also blocked each call as it came in, but the calls were always from a different number to evade the blocks. 

At this point, the robocalls were coming in regularly so I reverse XXXX searched the numbers and it came back as Frost Arnett. So I called them to find out why they were calling and I was told I owed money to XXXX XXXX. I had been paying according to an agreed-upon payment plan on their website since I got the first bill. I was never late or short on any of the payments. 

At the time Frost Arnett contacted me, the debt was down to {$30.00} something dollars. I told the agent I was paying on the XXXXXXXX XXXX  website and would continue to do so. I had received nothing in the mail from Frost Arnett at that point, and the agent recited my correct and current mailing address. After getting off the phone with the agent, I immediately went to the XXXXXXXX XXXX website and paid off the balance. There was no indication on the billing website that the account was late, in arrears or placed with collection. I had also never received any mail from the XXXX XXXX office reflecting a negative account status. I had been paying as agreed, then the sudden robocalls began. 

Today, on XX/XX/XXXX, I received yet another robocall from Frost Arnett, again from a brand new number to evade the blocks. I told the agent I paid the debt and it was paid directly to the XXXX. The agent said it could take 30 days for something to update in their system to reflect that. The agent then attempted to get my place of employment and email address after she was told the debt was paid. 

At this point, I do not believe Frost Arnett is going to cease robocalls and other collection attempts, though they have been notified the debt is paid. They have a multitude of negative reviews online, outlining shady and criminal collection practices just as I have unfortunately experienced here.
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I went to pay cash to buy a sofa sectional from a local furniture store who talked me into financing it instead of paying cash. He told me that he got me approved with 2 credit card companies XXXX XXXX SYNCB XXXX  however the merchant for more that what the purchase total is & overcharged me {$1100.00} and put on my invoice that I would have a {$1000.00} store credit which I did not authorize or request. I immedicably started trying to get the balance corrected. The merchant told me to call the creditors, the creditors told me to reach the store manager. Ever time I went into the store I was told the owner is out of the country. I have been completely given the run around & so far only one account has been deleted.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to file a formal complaint against Wells Fargo Bank regarding their failure to process a refund from XXXX. On XX/XX/year>, I made a purchase with my Wells Fargo debit card on XXXX in the amount of {$16.00}. Subsequently, I initiated a return, and XXXX processed the refund on the same day. 

However, despite the refund being issued by XXXX, Wells Fargo Bank has failed to credit my account with the refunded amount. The transaction details are as follows : Transaction Date : XX/XX/year> Posted Date : XX/XX/year> Merchant Information : XXXXXXXX XXXX Transaction Description : XXXX XXXX XXXX I have contacted Wells Fargo Bank multiple times regarding this issue, but they have been unresponsive and have not provided any assistance in resolving the matter. This failure to refund customers for returned items is unacceptable and constitutes a violation of consumer rights. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Wells Fargo Bank for their negligence and lack of accountability. I also request prompt resolution and restitution of the {$16.00} owed to me. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account number XXXX XX/XX/2022 XXXX XXXX.Specifically, late payments were reported for XX/XX/2022 and XX/XX/2022, which I believe to be inaccurate due to the legal protections in place during the COVID-19 pandemic.

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under COVID-19 regulations.

2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a COVID-19-related assistance plan, so the late payment information is inaccurate.

3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the COVID-19 assistance terms, violating this requirement.

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the COVID-19 pandemic.

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a COVID-19 assistance plan.

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report.
Consumer complaint received 2021-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (TX)

I paid my loan payment sooner and called to cancel the reoccurring payment for XX/XX/21 agent refused.. The agent XXXX was rude would not listen to my request and spoke over me, refused to transfer me to a supervisor after 6 or more request she gets me a supervisor and tells me I have to act professional to speak with a supervisor. She also asked me twice why I wanted a supervisor. I advised her both times because she is rude and not listening to me. I have been with acima for some time now and has never received this kind of service.