davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
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. (AL)

XXXX and Citibank failed to perform a reinvestigation of a charge-off account reported by Citibank on my credit report. The account in question is listed under XXXX and has been marked which I believe may be inaccurately reported. XXXX and Citibank didnot provide the method of the reinvestigation. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to an accurate and complete credit report. The FCRA mandates that credit reporting agencies ensure the information in credit reports is both fair and accurate. Inaccurate or incomplete information must be corrected or removed. 
Moreover, the FCRA requires that any reported late payments must be accurate and substantiated. Under 15 U.S.C. 1681c, late payments must reflect the true nature of the account status. If a late payment entry is incorrect or outdated, it should be promptly rectified.

Failure to comply with these requirements can be considered willful non-compliance under 15 U.S.C. 1681n, which addresses the responsibilities of credit reporting agencies to maintain accurate records and the legal repercussions for failing to do so. 

In light of these legal obligations, I request the following information regarding the reinvestigation process : The specific procedures XXXX will follow to verify the accuracy of the reported charge-off and any related late payments. 
Details on how communication with Citibank will be managed to obtain updated or corrected information. 
The anticipated timeframe for completing the reinvestigation. 
How and when I will be notified of any changes or updates resulting from this process. 
I expect a thorough reinvestigation and prompt resolution of this matter in compliance with FCRA standards. Please keep me informed of any updates or changes to my credit report.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

initially disclosed. Fact, affiant is aware, and has proof, Exhibit D, CREDIT ACCEPTANCE CORPORATION knowingly and willfully violated 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) by not providing me with an explanation of how to exercise my nondisclosure option. Fact, affiant is aware, and has proof, Exhibit M, CREDIT ACCEPTANCE CORPORATION knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 2 ) by stating they can share information regarding my consumer credit transaction to consumer reporting agencies. Fact, affiant is aware, and has proof, Exhibit G and H, CREDIT ACCEPTANCE CORPORATION knowingly and willfully committed a crime by violating 18 U.S. Code 1001 ( a ) ( 3 ) by providing information to financial institutions such as XXXX, XXXX and XXXX that contains false, fictitious and fraudulent statements or representations. Fact, affiant is aware that, CREDIT ACCEPTANCE CORPORATION has at least 20 violations of title 15 U.S. Code 1692. Fact, pursuant to 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) affiant 's additional damages are {$1000.00} USD for each false and misleading statement and {$1000.00} USD per word written in fraudulent/abusive language Fact, affiant is aware that CREDIT ACCEPTANCE CORPORATION has violated 20 different statutes under title containing over 120 fraudulent/abusive LANGUAGE & STATEMENTS 15 U.S. Code 1692 totaling the damages for all violations at {$120000.00}
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IA)

This agency is attempting to collect a debt that I do not owe. I never agreed to nor ever knowledge this debt with the current collector or the original collector. No proof has been given to me of this debt. I want a full detail break down of the original debt and my agreement to this debt.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MI)

XXXX paid {$2100.00} Regular Payment. 

This was {$710.00} Principal, {$810.00} Interest, {$660.00} Escrow. 
But Shellpoint went in & for no known reason, minused off ( {$350.00} ) on the same date. 
The Principal balance was {$310000.00}. 
So it should have been {$310000.00} but Shellpoint left it at {$310000.00}. 
The Escrow was ( {$8100.00} ). 
So Escrow should have been ( {$7400.00} ) but Shellpoint left it at ( {$8100.00} ). 
They did not give credit for principal or escrow out of amounts paid on XXXX Principal owed {$710.00} & Escrow owed {$660.00}
Consumer complaint received 2024-08-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (OH)

When contacting XXXX/Bridgecrest after settling account to notify them that information on the account was inaccurate and inconsistent across each credit bureau XXXX After numerous disputes of this violation to the FCRA, they continued to validate and claim to update the account however they are still reporting inconsistent and inaccurate information to each credit bureau. The credit bureaus will no longer allow me to dispute this so I have to come to the CFPB to file this complaint.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

I had an online banking account with Wells Fargo Bank but since then Wells Fargo Bank has been preventing me online access to my checking account and XXXX my XXXX brokerage accounts ( XXXX taxable, the other IRA ) And THIS despite many attempts on my part to gain online access! 

I am a senior citizen of very advanced age and, most unfortunately, have several LIFE-THREATENING medical conditions. And THUS : I can not just pop over to the local Wells Fargo Bank branch here in XXXX, New Jersey! 

I have repeatedly told Wells Fargo bank about my very advanced age and LIFE-THREATENING medical conditions but apparently they do not care at all. 

AND SO : I have no idea the status of my aforementioned accounts despite my very best efforts to keep my checking account IN BALANCE! 

I have received perhaps a dozen or more emails from Wells Fargo Bank that my balance in my checking account registers " zero balance '' and this despite my having added additional funds! 

Upon information and belief, Wells Fargo Bank is adding fee after fee such that my aforementioned banking account can not at all remain IN BALANCE! 

To add gross insult to gross injury, Wells Fargo Bank DEMANDS that I MUST have a mobil phone in order to access my aforementioned accounts on line! THIS despite both my beloved and loving wife, best friend, and soulmate XXXX, also a customer of Wells Fargo Bank, and I repeatedly but repeatedly but repeatedly stating that WE DO NOT HAVE A MOBILE PHONE!!!!!!!!!
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one bank. Has been reporting to the 3 bureaus that I have two late payments. I contacted the company and had an agreement set up where, if I made a payment arraignment they would remove and not report any late payments. I completed that arraignment and have never been late again with them. Yet they continue to report those late payments XX/XX/22 XX/XX/22 are the dates of the payment being reposted as late. 

Pursuant to consumer law any company can not willingly report inaccurate information. Furthermore Im asking to have them remove that information. 

Capital one account XXXX
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MI)

On XXXX I made a payment to Shellpoint for the amount of {$1800.00}. 

They have it called " Unapplied Payment ''. 

It was not applied to anything. 

The prior Escrow was at ( {$7900.00} ) After this payment, it was still at ( {$7900.00} ) The principal balance was at {$310000.00} After this payment it was still at {$310000.00} Shellpoint did not apply this payment to anything on the loan.
Consumer complaint received 2024-08-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (GA)

National Credit Systems Inc. committed identity theft by using my consumer reports to collect two separate debts {$4200.00} National Credit Systems alleged was owed to them. National Credit Systems Inc had refused to delete the derogatory information for 7 years on all three of my national credit reports and misrepresented themselves as attorney collectors of debts. I disputed the debts 64 times and they were not removed before 7 years. I suffered from this problem and could not rent an apartment or buy a home because of National Credit Systems Incs willful negligence and identity theft.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

XX/XX/XXXX contacted mortgage co. to say switching XXXX XXXX XXXX, not to pay XXXX. 

Regardless on XX/XX/XXXX Shellpoint supposedly sent a check to XXXX any way for {$XXXX}. 

XX/XX/XXXX I cancelled with XXXX, asked them about refunding this amount. They stated " we absolutely have not pulled anything from your escrow account. Your total balance of {$XXXX} is showing as unpaid. We can only send your mortgage company an invoice, which does get sent out around a month prior to the due date so as to give them ample time to make the payment before it's due, and from there they will send us a check. If your mortgagee has already mailed the payment and it is processed before the termination takes effect, it will be refunded and mailed to you in check form. '' Also on XX/XX/XXXX I switched my XXXX XXXX to XXXX. The amount is {$XXXX}. 

I have repeatedly emailed Shellpoint that they have DOUBLE CHARGED my account, causing it to be overdrawn, no answer. 

On XX/XX/XXXX, I have XXXX automated response emails stating that they got my emails and they would answer me " as soon as we can. '' They have never answered me. 

They provide an email to send your docs to which is XXXX This email ( XXXX ) absolutely does NOT work, every email sent bounced back " Undeliverable : [ XXXX ] Proof of Insurance '' So Shellpoint supplies a non-working email contact. 

XXXX sent, all bounced back. 

Now Shellpoint has OVERDRAWN my account. They have ignored all contact from me. They have again essentially stolen my money. 


Transaction Date Transaction Amount Due Date Description Principal Amount Interest Amount Escrow Amount Late Charge Amount Principal Balance Escrow Balance XX/XX/XXXX - {$XXXX} XX/XX/XXXX Insurance Premium Disbursement {$XXXX} {$XXXX} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Insurance Premium Disbursement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shellpoint needs to immediately cancel the {$XXXX} supposedly sent to XXXX & XXXX my account. 

XXXX has not received this. 

This is the fault of Shellpoint.
Consumer complaint received 2024-08-11
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: LEXISNEXIS (AZ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This company has overcharged the value of the car. Credit Acceptance has made it impossible for anyone to pay the loan back. This company knew my situation when I first purchased my vehicle with them. The vehicle died off in the first XXXX days of having it. So I ended up writing a Better Business Bureau report because Credit Acceptance would not let me out of loan or trade vehicle. I got some great feedback after writing BBB.ORG. Credit Acceptance and The car dealership decided to trade me into another vehicle. Sadly that vehicle engine went out less than XXXX  months after purchase. So I was given another bad vehicle. Credit Acceptance refused to work with me regarding repairs and car payments. I purchased the extended warranty to cover things like this. I had to do another BBB Report for them to get the engine repaired. However, it took them XXXX XXXX  months for the engine to be repaired. So I was out of a car the entire time. I was paying for car rentals which made it impossible to keep up with car payments, I needed transportation for work and also my family. So I lost wages all around and I express that to Credit Acceptance. I ask for the payments to be paused until they can hold the end of their deal with the repairs. During this time the pandemic was happening also. All that being said I just discovered my credit report. Credit Acceptance has reported me to all credit bureaus. Reports of late payments and nonpayments every XXXX weeks. Since XX/XX/XXXX XXXX XXXX XXXX  years of fees and bad credit reporting. I have been on a promised agreement plan with them since that time frame as well. The car payment loan is XXXX a month. I have been paying different amounts to catch up with payments from large to small. I started paying XXXX twice a month since XXXX. Honestly wasn't supposed to have a past due balance due to the issue with the vehicle and lost wages due to not having a vehicle and losing income because I couldn't get to work. I have been overcharged for the vehicle price I am charged XXXX for a XXXX XXXX XXXX. The asking price wasn't this amount. The price also on the credit report is XXXX which has already been paid off. However, they asking for XXXX on their website. Another reason for the payments being behind is due to the car having multiple stolen car attempts. This Brand car ( XXXX ) crime rate is extremely high. This has happened XXXX times in XXXX year. This has caused my car insurance to rise because of claims. Also caused me other expenses such as car insurance deductible, car rental fees, XXXX XXXX, and garage fees. I just want this issue taken care of and cleared off my credit report. I just want this car label paid in full because it already has been overcharged and I lost more than the asking price.
Consumer complaint received 2024-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

I've been trying to verify this debt that's on my credit from Credit Collection Services, however, they never gave me written notice about this debt. But they are reporting on my credit report without my consent, along with it being inaccurate and inconsistent across the 3 major credit bureaus. Upon sending this letter via certified mail on XX/XX/year>, I never got a response back.
Consumer complaint received 2024-08-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX tries collect wrong amount on contract it clearly says early termination results XXXX move out.They kicked me out the apartments for criminal.mischief..I don't owe anything because it was proven that I wasn't the one who did anything..They sent a letter apartments Said you have 3 days to leave..So I don't owe anything says I owe XXXX I was only there XXXX days so they owe me money
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt from me in Wisconsin without being legally licensed to do so. Their actions have violated my rights under several federal and state consumer protection laws. 

Details of the Issue : XXXX. Unlicensed Debt Collection : PRA is not licensed to collect debt in the state of Wisconsin. According to Wisconsin state law, any entity engaged in debt collection must be licensed by the XX/XX/XXXXDepartment of Financial Institutions. PRA 's failure to obtain this license renders their collection efforts illegal under the Wisconsin Consumer Act ( Wis. Stat. 421.301 ( 9 ) and Wis. Stat. 427.104 ). 

XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : PRA has engaged in practices that violate the FDCPA, including : 15 U.S.C. 1692e : Making false or misleading representations regarding their legal right to collect the debt.

15 U.S.C. 1692f : Using unfair practices by attempting to collect a debt without proper licensing.

15 U.S.C. 1692g : Failing to provide proper validation of the debt upon request. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : PRA has provided inaccurate information to credit reporting agencies, damaging my credit report. They failed to : 15 U.S.C. 1681s-2 ( a ) : Ensure the accuracy of the information reported.

15 U.S.C. 1681s-2 ( b ) : Investigate and correct inaccuracies after I disputed the debt.

4. Violations of the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 : PRAs actions constitute unfair, deceptive, and abusive acts or practices ( UDAAPs ), violating the CFPA. The CFPBs prior actions against PRA, including significant penalties for similar practices, underscore their continued non-compliance with the law.

5. Violations of the Telephone Consumer Protection Act ( TCPA ) - 47 U.S.C. 227 : If PRA has used automated calls to contact me, they may also be in violation of the TCPA, which restricts the use of automated dialing systems and prerecorded messages.

I request that the CFPB take immediate action to investigate PRA 's illegal collection practices and enforce the necessary penalties.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VT)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (LA)

Affirm XX/XX/XXXX XXXX XXXX XXXX I can't see the payment because they have my account locked. I have went through the verification process provided my license and did facial recognition. 
How am I suppose to pay for an account the Merchant is telling me it's blocked and restricted bc it's not me. 
It's being reported on my credit report though. I'm so upset about this I've called several times nothing is being resolved. They keep telling me they will call back within 30 days it's been 5 months. My credit report is receiving derogatory remarks and this is not my fault. I pay all of my bills on time.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MI)

I have sent Shellpoint over {$80000.00} in home improvements.

I have received 2 appraisals. 
My house, not including any improvements, is value at {$520000.00}. 
That is MORE than the XX/XX/20 required for PMI. 
Shellpoint continues to charge {$170.00} every month for their XXXX  insurance. 
I want it removed. 
If they want another appraisal, they can pay for it.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I Somebody made unathorized charges stealing everydollar ouyt of my bank account. I tried to dispute chime said the charges were made near my houser. I provided school attendance records and work schedules proving that during the time of the unathorized charges I was at least 2 cities away from my house. I even offered my other banks transaction to prove the cfharges obviously were not made by me
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MI)

XXXX paid {$2100.00} Regular Payment. 

This was {$710.00} XXXX, {$800.00} XXXX, {$660.00} XXXX 

But Shellpoint again went in & for no known reason, minused off ( {$350.00} ) on the same date. 

The amounts were also incorrect for the prior payment on XXXX, as mentioned in previous complaint. 

{$710.00} Principal and {$660.00} XXXX  were not correctly credited to my account. {$350.00} fee was added for no reason.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (LA)

My loan balance was XXXX. I requested a covid refund to which I was sent back 2 checks for XXXX dollars each. My loan amount was then updated to XXXX but EdFinancial then updated my owed amount to XXXX  without any reason and explanation when changing my account. I requested a history on the loan balance but I am being told for the past 2 months that the request is being processed and will be sent to me once done. I keep following up on the item but keep getting nowhere.