davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with Capital One Auto the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ].

6. Payment History : The payment history across all three major credit bureaus is incorrect. 
7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile. 
Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft. 
I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly. 
Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

I am writing in reference to a problem I am having with my student loan servicer Nelnet. 
They are servicing some Federal ParentPlus loans I took out when my kids were attending college. 
These are all fixed interest rate loans totaling {$120000.00}. 
The crux of the problem is that the second to the last payment I made was in XX/XX/XXXX for {$1600.00}. There was a natural disaster forbearance that eliminated payments for XXXX and XX/XX/XXXX and for XX/XX/XXXX. 
Payments resumed in XX/XX/XXXX. 

The problem is that suddenly they have increased my monthly payment to {$1900.00}. This is an increase of {$340.00} or 21 %. 
At an annual interest rate of 7 % on {$120000.00} a 3 month forbearance would have added {$2100.00} onto the loan balance, an increase of 1.75 % The increase of 21 % they made is completely unjustified. Their response is vague and ambiguous and contains no concrete numerical justification for a 21 % increase. This complaint is tied to complaint XXXX which was closed. The previous complaint should not have been closed as the loan servicer failed to justify the magnitude of the increase. 
Do I need to spend money I don't have to hire a lawyer to hold these people accountable? That is what I thought the CFPB was supposed to.
Consumer complaint received 2024-08-13
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: CITIBANK, N.A. (NC)

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year>, & XXXX XXXX ]. The inquiry was made by [ CBNA ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (AL)

Affirm is reporting inaccurate information on my account. They have reported multiple back to back 30 day and 60 day late payments which is impossible They have also reported that my account has been charged off for 5 months in a row since XXXX which starts over the process of reporting and damages my credit report each month. I sent them proof that my account was paid in full from XXXX XXXX in XXXX. They still continue to report each month that my account is a new charge off.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WI)

I applied for a Wayfair Mastercard serviced by Citibank. The intro rates were confusing on the application regarding 0 % APR. I started trying to contact Citi at about XXXX. The phone trees refused to let me speak to customer service without an account number and couldn't find my application by social security number. 

I found another customer service number. From there, I was transferred between applications, credit/checking, and other branches. No one was able to provide me this information and I was constantly disconnected and told that it wasn't their department 's job. I asked to speak with a manager and was denied. I asked to escalate the issue and was denied. I was told that there wasn't a way to escalate it because I was speaking with the banking side and I needed to speak to the credit side. I explained I had already done that and was transferred to banking. The agent just told me the same thing and that I had to talk to credit. They refused to send me to a live agent or provide an email address for direct contact. 

I made 15 calls and spoke to almost as many agents trying to get this solved and just get a copy of the terms and conditions and to clarify my intro rate. An agent finally told me I needed to talk to Wayfair and gave me their phone number. To clairify, Wayfair doesn't deal with credit cards and they aren't a bank. So Wayfair told me I needed to call CitiBank back... 

XXXX from Wayfair was nice enough to use some internal numbers and escalation codes to get a woman on the line from Citi that was actually able to provide information. But it shouldn't take over an hour to get someone from a different company all together to be able to get me in touch with the appropriate person from the Bank I am trying to use. 

I was finally able to get in touch with a person to obtain some information, but it should not take this long or be this obtuse. I would not suggest ever banking with Citi.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 XXXX. 

XXXX XXXX XXXX Account owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} 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 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 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (OK)

Me and my mother went in the bank to make a withdrawal we were treated with racism from the time we walked in the door. We asked how much cash she could withdrawal and was told by the manager that he couldn't tell us and basically ignored us so we left went to a different location no issues at all we filed a complaint with the bank customer service it's been almost 2 months still no return call even after speaking to serval managers nothing. A fraud investigator called my brother to make a false accusation of elderly abuse my brother assured him that was never a issue. Few weeks later my mothers card was declined called the bank couldn't tell us anything went to the bank they say her acct is frozen by the same investigator from the first incident. The manger couldn't help us nor did she want to she was very unprofessional and rude. Waited till next morning we to another branch the manager helped us said because of excessive spending they froze my moms acct. Mind you nobody has called her or me from the fraud department. So we were told they would contact the fraud department at this time my mother is in tears asking why do they keep messing with us nothing fraudulent is going on I have my daughter on my acct. Later that day the rude manager from the second branch called to say we can close your acct today so we did she was very rude that day as well. My mother had been with this bank for years and we can't understand why we were treated so poorly and why false accusation were made not once but twice by the same guy that has never spoke to my mother we also left him serval messages so has my brother as well who by the way is not on her acct.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Credit Management, Inc (AR)

PROFFESSIONAL MANAGMENT CREDIT THIS COMPANY HAS BEEN REPORT I DONT KNOW THESE PEOPLE I DONT OWE THEM ANYTHING AND IT NEED BE TAKING OFF I DONT KNOW THEM AT ALL
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

Somebody, without my permission used my SS # and my information to open a XXXX credit card with COMENITY CAPITAL BANK in my name at the XXXX XXXX # XXXX in XXXX, FL. on XX/XX/year>. 
I Contacted COMENITY CAPITAL BANK and disputed this FRAUD Account and I filed a police report with the XXXX Police Department. 
I Mailed a dispute letter and the police report to Comenity Capital Bank, XXXX, XXXX XXXX XXXX XXXX. 
Had my credit froze and monitored. 
Comenity Capital Bank is refusing to cancel the account and will not remove this fraud charge account from my credit report. 
My credit score has dropped from XXXX to XXXX. 
COMENITY CAPITAL BANK will not send me the documents used to open the account without a subpoena. I sent them the Police Report. 
COMENITY CAPITAL BANK HAS 1,000s of BAD REVIEWS and THEIR FRAUD DEPARTMENT WILL NOT INVESTIGATE A DISPUTE CORRECTLY. 
DON'T DO BUSINESS WITH COMENITY CAPITAL BANK.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Convincing scammer met him when my computer locked- he came into my life and told me I was a victim of " XXXX XXXXXXXX '' and he was with Chase Freud Protection- I gave him my LIFE - My LIFE is over!

Yes, he was a " Romance Scammer '' and I did what he told me- Withdrawals from " Chase '' - Oh my GOD! I wake up with this and it haunts me - because I have NO CLOSE FRIENDS, I started liking him! 
Withdrawal from Chase alone- who turns over hard earned money like I did - Chase knew there was definitely wrong doing - and wish they hung in there with me - reported to Chase Executive Office - that " XXXX XXXX '' represented himself as being with Chase - Withdrawals - make my body shake - XX/XX/year> - {$45000.00} XX/XX/year> - {$100000.00} XX/XX/year> - {$50000.00} ( XXXX ) XXXX XXXX - {$20000.00} ( XXXX XXXX XXXX XXXX - {$30000.00} ( XXXX ) MY LIFE IS OVER - there is so much more ..... 

I did NOT benefit from any of this money - there were " Courier Pickups '' - as reported to Police ; FTC ; I3C ; FBI ; Criminal Justice - How can I go on living - " I was SET FOR LIFE ''!

Since Chase gave me all this " withdrawal money '' - given to a scammer - I feel there should be some " insurance plan '' to give me back money - or NOT - they won't! 

So I'm asking you this questions - money withdrawn from other banks as well - who want to face this every day - Scam victims owe IRS taxes on scammed money!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is 3rd request under FCRA 623 ( A ) ( 8 ) ( E ).

Your office has never sent me the information I am requesting and you are in violation of FCRA 623, therefore this is a new request for the PROOF that supports your reporting to XXXX a Date for account to be XXXX XX/XX/XXXX when I have documentation from XXXX XXXX  that you purchased the alledged account that states Date of Last Payment as XXXX XXXX which would make Date of First Delinquency be XX/XX/XXXX which is the date that triggers the 7 Year reporting period. 

Portfolio Recovery knows or should have known this account has been ILLEGALLY REAGED! 
According to todays XXXX  Credit Report dated XX/XX/XXXX it appears your agency has illegally verified my re-aged account dispute again because as of today XX/XX/XXXX account is no longer under dispute and remains on my XXXX Credit report as Portfolio Recovery # XXXX. 
Allow me to inform you that I keep very careful records each time your agency verifies my dispute and will seek monetary relief for each time your office verifys knowing or should have known account date to be removed is reporting inaccurately and knowing full well that you did not provide PROOF, but continue to report inaccurate information and then verify on a legally binding document ( XXXX  ) in total disregard of FCRA and FDCPA laws. 

How can Portfolio Recovery report the date to be removed as XX/XX/XXXX when the Date of Last Payment was reporting XX/XX/XXXX by XXXX XXXX  and I have document with their letterhead stating Date of Last Payment as XX/XX/XXXX. 
This is a new request for information under FCRA 623 ( A ) ( 8 ) ( E ) for documentation for to send me regarding the purchase agreement with XXXX XXXX. Additionally, this is also a newrequest for complete statements from the beginning of alledged purchase up to the end of alledged purchases showing ALL payment amounts etc. regarding this alledged account. 
Portfolio Recovery is reporting a debt that has been illegally re-aged and I vehemently request monetary relief via CFPB or Portfolio. 
Portfolio Recovery can save time and money by forwarding me a postal Money Order for the Amount of {$2000.00} due to Re-Aging violation under FDCPA and FCRA.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I made a payment on XX/XX/XXXX for XXXX and the company is holding the payment saying they have to wait 26 days for it clear. It has already cleared my bank. I dont have any late payments on any of my accounts with them, I have 3. customer service does nothing to help and so called supervisors don't help either. I asked for the bank policy in writing showing that payments are subject to being held. Also I have made 2 payments after that that were posted to my account.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (GA)

In last complaint they told lies i only got one extra XXXX for the XXXXXXXX XXXX I am XXXX on XXXX XXXX have had XXXX XXXX  on a fixed income tried to work this out. I was in a data breach and got a letter and my email has been compromised. Its doesn't even run anymore. I. Have paid a total of XXXX on a XXXX loan. I've had so many unknown charges and been hacked devastating and ask them about the data breach and its we can't discuss this. Please I was a great customer and need my title. Also I have another account with a XXXX XXXX XXXX XXXXXXXX XXXX  gone and always paid im on fixed income and have paid way I very what the truck is worth. They need to drop everything and give me my titles. Point blank period. They lie cheat and take people their trust. Not a good company.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I placed an online order for delivery through XXXX 's, which was immediately canceled due to " technical reasons. '' Upon contacting XXXX 's, I was informed that delivery services are not available in my area at this time. While I received a refund for the item on my order, the delivery fee was not refunded. I reached out to request a refund for the same-day delivery membership charge, as the services were neither rendered nor could they be provided due to the technical issues- services not provided to my address. I was provided with reference number XXXX and informed that the transaction reversal could take up to 8 days. Although my account profile shows the transaction as canceled, I have not yet received the refund. I contacted Capital One and received automated responses indicating that the merchant provided confirmation showing no cancellation per policy. However, this information conflicts with the fact that the transaction is marked as canceled in my account. I did not cancel the order ; it was canceled by XXXX 's. I believe there may be confusion between the same-day delivery service and my regular membership.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

I was unfamiliar with online banking and checking my account. I was shown by my daughter how to check it just recently after my money was practically all gone or strange charges from places u have never had an account or done business with. I went in to the bank and was told I had to wait for an appointment to go over the charges. Or to just call in and they gave me a print out so I could call and tell them what charges were fraudulent. I had started using my XXXXXXXX XXXX and XXXX  so I didnt have to use the physical card. I was worried about XXXX  numbers being copied while at the drive thru and places like that. So I had my daughter show me how to use the digital wallet. I noticed there was a lot of XXXX charges and I dont have an XXXX and never have. I also dont have an XXXX account and havent had one for years and that account was closed in good standing : so ther was no reason they should charge me for anything. The first women was very rude when I reported the charges asking if the charges just magically appeared out of thin air? Well yes they were fraudulent charges I dont know where they came from. I also had many charges to XXXX XXXX and XXXX. Also businesses i have never used.any of those companies. I also made a police report over these charges. I have gone 3 months without enough money to even pay my insurance or business license or condo fees. I was told the money would be put back in my account and dont worry he said may e they wouldnt be able to recover anything more than 90! days old but the other would be put back no problem.i honestly dont know who used my card. I noticed it missing from my wallet and reported it as soon as I died. I had been using my digital wallet or had gone to the bank to withdraw my money so I dont know how long my card was gone for. I told them all this and waited patiently for a credit they said they would put in and nothing and not even an explanation. I dont understand how they promise to protect my account when they dont. If they investigated really they would know I didnt make the charges. Im in my XXXX and I feel taken advantage of and robbed from.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LexisNexis/XXXX  used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LexisNexisXXXX reported my private nonpublic and personal information to affiliated and non affiliated third parties without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (GA)

Hi, on XX/XX/year> i went to XXXX and was at a restaurant with 3 friends who got drinks and one or two apps. the total was around {$200.00} usd when converted. they charged my card twice in one minute, one charge for {$170.00} and another for {$250.00}. one of these is fraudulent as i did not approve to be double charged. I opened a dispute with wells fargo and told them my story and they agreed it was suspicious i was charged twice so quickly in the same minute. He told me maybe they accidently used my card to pay for another person 's food, i agreed. then on XX/XX/year> they denied my claim with no other message to me. I absolutely did not approve the charge and i used a credit card when traveling to keep myself protected from fraud so im very dissapointed at the result and would like this investigated further. 

thanks date of initial charges : XX/XX/year> amounts : {$170.00} & {$250.00}