davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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. (OH)

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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Tenaglia & Hunt, PA (NJ)

XXXX XXXX is reporting a closed and written off account to all 3 credit Bureaus. Account closed XX/XX/2022 *** The statute of limitations for a financial institution to file a Form XXXX, which reports cancellation of debt, is generally set by the IRS guidelines XXXX Financial institutions must file the form by XX/XX/XXXX of the year following the cancellation of debt. 

No XXXX as been submitted to me and XXXX XXXX is attempting to collect funds on a reportly closed and charged off account Fair Credit Reporting Act ( FCRA ) - **15 U.S.C. 1681s-2 ( a ) ** : Requires that information provided to credit reporting agencies be accurate. Reporting a debt as both closed and written off while attempting to collect may be considered misleading.

- **15 U.S.C. 1681i** : Provides consumers the right to dispute inaccuracies in their credit reports, emphasizing the importance of accurate reporting. Fair Debt Collection Practices Act ( FDCPA ) - **15 U.S.C. 1692e** : Prohibits debt collectors from using false, deceptive, or misleading
representations in connection with the collection of any debt. This includes misrepresenting the status of a debt. - **15 U.S.C. 1692f
** : Prohibits unfair or unconscionable means to collect or attempt to collect any debt.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

MOHELA failure to process {$3000.00} refund requested XXXX. It is now month 9 MOHELA has failed to process and provide documented proof of submission. MOHELA response to prior CFPB complaint XXXX regarding this matter on XXXX of " Our records indicate that a {$3000.00} refund was processed on XX/XX/year>. Please allow approximately 90 days for your refund to be issued by the U.S. Department of Treasury. '' is rejected. MOHELA has failed to supply documented proof this was sent to the U.S Department of Treasury on XXXX along with how the refund will be received. MOHELA has continually lied and deceived myself and borrowers. Only documentation proving the refund was submitted to US Department of Treasury will be accepted. MOHELA 's word has proven to be nothing but lie after lie time and time again. I want documented proof ( record showing ) that MOHELA has infact submitted my {$3000.00} refund on XXXX. No response or " escalation '' will be accepted as a response to this.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-28
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: Experian Information Solutions Inc. (GA)

I have disputed with this company regarding late payments reporting to my credit report.

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments.

According to The Fair Credit Reporting Act all these laws should apply to my credit report as well.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

1. Incorrect Name : The name listed on this account is incorrect. Under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. As this is a material error, I request the immediate correction of the name associated with this account to reflect the correct details. Please update this entry accordingly.

2. Multiple Charge-Off Entries : Additionally, I have noticed that the account has been reported as charged off multiple times, which is an error. Under FCRA 605 and FCRA 623, a charge-off can only be reported once. The repeated reporting of charge-offs on this account is misleading and inaccurate.

As per FCRA 605, charge-offs are a one-time event and should only be listed once. The repeated reporting of charge-offs violates the guidelines set forth by the FCRA, as it misrepresents the status of the account.

I request that the multiple charge-off entries be corrected by ensuring that only one charge-off is reported for this account.

Request for Immediate Investigation : In accordance with 15 U.S. Code 1681i of the FCRA, I request a thorough investigation into both of these issues. Please provide proof from the creditor regarding the date and legitimacy of the charge-off ( s ) and ensure that the account is reported accurately, with the proper name and a single charge-off entry.

If the creditor can not substantiate the multiple charge-offs or correct the name, I request that the inaccurate entries be removed from my credit report. Please send me an updated copy of my credit report showing the corrections made as I requested XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I sent Experian a XXXX XXXX XXXX  discharge under title 11 U.S.C. 727 court order dated XX/XX/year> for accounts ; XXXX. XXXX XXXX XXXXXXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX I also sent a XXXX court document from the case XXXX stating they do not report to the consumer agency any public record of XXXX, which I asked Experian to remove from the public record and they have not. I also requested Experian to remove the following address, I do not recieve mail there. 

( XXXX ) XXXX XXXXXXXX XXXX XXXX, XXXX NY XXXX
Consumer complaint received 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Over the past two years, I have incurred five overdraft fees with Citibank, despite having sufficient funds in my account for several days following my payment submission. Citibank failed to pull the funds promptly. I consistently pay my credit card in full and on time from my XXXX XXXX checking account, and XXXX XXXX has confirmed that the timing between my payment confirmation and when they receive Citibank 's request for payment is sufficiently delayed. 

I intentionally keep minimal funds in my checking account, opting instead to maintain higher balances in savings to earn interest. I wrongly assumed that Citibank would pull payments promptly, so after a few business days, I moved funds back to savings, assuming the payment had already cleared. However, Citibank often attempts to pull the funds the following day, by which time theyve been moved back to savings. 

Ive contacted multiple Citibank representatives and provided evidence of my account balance at the time of each payment to have these charges reversed, but my efforts have been unsuccessful. I recently learned of XXXXs lawsuit for similar practices and that Citibank had committed to ending this practice in 2022. 

I am happy to provide evidence of my checking account balance and payment confirmations upon request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My XXXX  XXXX XXXX  was stolen once the police recovered it, I paid to get it out and the bank " Credit Acceptance '' reposed the vehicle is now trying to make me pay for the car but also the person that stop the car did in fact get arrested
Consumer complaint received 2024-09-28
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

I am writing to file a complaint against Wells Fargo Bank regarding their mishandling of a wire transfer issue on my savings account and the unsatisfactory resolution process. Below are the details of the events : - Wire Transfer Initiation : On XX/XX/year>, I initiated a wire transfer from my savings account. Later that same day, I received a message from Wells Fargo stating that the transfer was under investigation. 

- Cancellation Notice : On XX/XX/year>, I received an email and a text message from Wells Fargo stating that the wire transfer was cancelled. 

- Customer Service Interaction : On XX/XX/year>, I called Wells Fargo to follow up on the situation. During this call, I was transferred multiple times between different departments, including online banking, wire transfer, and fraud departments. Despite spending significant time on the call, no resolution was provided. 

Moreover, I was given conflicting and incorrect information. A Wells Fargo representative incorrectly claimed that my wire transfer was cancelled on the same day it was initiated ( XX/XX/year> ). However, I have documented proof from Wells Fargo showing that the wire transfer was still under review on that date. 

The repeated transfers between departments, the lack of resolution, and the provision of conflicting information have caused me significant frustration and concern regarding the handling of my account and funds.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

- I opened up a new checking account at Citi bank solely because they were offering a really good new customer promotion that was hard to resist. The promotion claimed new Citi checking account members would get a {$300.00} bonus to their account after meeting qualifying activities which included the following steps : -Open the checking account before the offer period expired XXXXEnroll in enhanced direct deposit offer -Make 2 or more enhanced direct deposits totaling at least XXXX dollars within 90 days of account opening ( this was done by me more than 2 times through multiple approved deposit methods ) - '' Keep your account open and in good standing until you have received your bonus which will be paid out in 30 days '' It has been 40 days now and I have gotten nothing. I called Citi about this 3 different times and they would not give me any information on when it is processed or why it is missing. I will include my deposit statements and account opening proof. I will also include the promotion that I meet all activities for. I am very upset with Citi and do not want to bank with them again. It is scummy behavior and there are other forum complaints online of people with the same problem not getting their bonuses. Citi also nearly locked me out of my own account after putting in my first paycheck. It took over a week to get back in and almost resorted to me having to drive a branch in XXXX. This whole experience has been awful and I just want my bonus so I can not bank with XXXX and keep being faced with lies/ignorance. 

Also, Citi has a mobile banking app feature to check your bonus status and promotions. It seems that either Citi app or some employee has switched the active ongoing promotion from my account to a different one that I never signed up for. Images included. 

I no longer have the patience to keep calling Citi. They have 2-3 different numbers for customer support and every call is a 20 minute hold time just to be directed to the other line back and forth. No help or transparency.
Consumer complaint received 2024-11-10
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: CITIBANK, N.A. (FL)

Citi inconsistently continues to change dates of delinquencies. I have requested statements from them showing the accuracy of information and have yet to receive anything from them. They only say that the information has been validated with no physical proof. It leads me to believe that both accounts are being reported inaccurately. The constant updates they make continue to drop my credit score.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (CA)

Subject : Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, XXXX XXXX XXXX has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 

2. XXXX XXXX XXXX : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. 

Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been disputing this account on my Experian credit report since XXXX. 
Experian has repeatedly stated that this account has been verified as accurate. 
However, they failed to provide documentation detailing verifying this account. 
I believe that I have the right to know who is using my personal information and how this verification process was conducted. 
Therefore, I kindly request that Experian provide me with the documentation used to verify this account. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

On or around XX/XX/year>, Credit Collection Services, added a collection account to my credit file on behalf of XXXX. 

I have conducted no business with XXXX or Credit Collection Services. I do not use or have benefited from the use of XXXX services. There has been no contract with this company and the residential address for this account does not belong to me. 

I have disputed the validity of this claim and neither company responded with verification of debt. Having a consumers name and date of birth is not a verification of debt. No name or contract was provided to me as asked. Per the FCRA, this alleged debt does not meet the requirements to be a collection account. This debt has been sold to Credit Collection Services and techniques used by this third party to collect is unethical.
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC (CA)

I was contacted by DRB LLC, aka Diversified Recovery Bureau LLC. They were looking for a relative, I told them not to call me and insisted that they needed to pass a message to them. I refused, I asked to remove me from their list, and they said they didn't have a call list. I also asked if the phone call was being recorded, they confirmed it was without my permission. It was never disclosed that the conversation was being recorded, other wise I would have refused.