davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX I received an email from Citibank informing me that I was late on my payment ( it did not say which account ) but the balance was {$780.00} I immediately called them since our actual balance was {$5.00} on the only card we had with them. 
Initially, Citibank would not give me any information as to which card this email was referencing to or what were the charges made. 
After several calls to them, they gave me the last 4 numbers of the card in question ( XXXX ) and stated the card was opened on XX/XX/XXXX. I told them I never had a card with that number, and asked why this was the first time I was notified of this account through an email. I requested a copy of any statements they had, and asked again why I had never received any statements or correspondence on this card. 
Once I received the statements, I saw the card had just been used on XXXX XX/XX/XXXX at a local XXXX 's XXXX for the amount of {$600.00}. 
I obviously had not made that transaction, and told them so. On XXXX XX/XX/XXXX, Citibank put a freeze on the card in question, after discussing this with them once again, and they indicated their Fraud Department would begin an investigation. They also sent me an email advising me that the investigation was ongoing and no further action was needed on my part until the investigation was finished. Citibank has continued to send me weekly emails telling me I am late on my payment and until recently ( stopped at my request ) was receiving daily calls asking me to make a payment. I am still receiving emails telling me I am late on my payments and they have even added late charges to the original amount. 
On XX/XX/XXXX I received another email from Citibank telling me to check my XXXX Score and to see why it had changed. I opened their link to the XXXX score and saw that my score had gone from XXXX to XXXX. 
On one of their latest emails dated XXXX XX/XX/XXXX, the statement balance is now {$960.00}. 
On the most recent email dated XXXX XX/XX/XXXX, Citibank indicated that this account will be referred to a collection agency. 
We have been working with XXXX XXXX with XXXX XXXX XXXX, and have contacted Citibank on numerous occasions trying to resolve this issue but have gotten very little support from Citibank. After initially contacting them on XXXX XX/XX/XXXX, we were told that they would open an investigation, and they would notify us with their findings. It was months later in XXXX, when we contacted them once again, we were then notified that they had closed the investigation three days after the investigation had been initially opened ( XXXX XX/XX/XXXX ). We never received any official notification from Citibank about this investigation being closed, as we had been told.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

XX/XX/2022 Enhance Recovery Company trying to charge me {$670.00} for someone using my identity to put a cable bill in my name that I had no clue about. I reach out to them to get it resolved and I cant seem to get the response I need.
Consumer complaint received 2023-11-22
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: Affirm Holdings, Inc (IL)

I am writing to address a concerning issue regarding the status of my account with your organization. According to my credit report, the account was charged off before the completion of the XXXX period, which is inconsistent with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

As per the 15 U.S. Code 1681- Congressional findings and statement of purpose, the FCRA was enacted to ensure fair and accurate reporting of consumer credit information. It is of utmost importance that all parties involved, including original creditors like yourself, adhere to these guidelines to maintain the integrity of the credit reporting system.

I kindly request an explanation as to why the account was charged off before the completion of the 180-day period. It is crucial for me to understand the circumstances surrounding this decision, as it directly impacts the accuracy and completeness of my credit report. Additionally, I request validation of the debt in question, including the original amount, any applicable fees or interest, and a breakdown of the transactions leading to the outstanding balance.

Furthermore, I would like to inquire whether insurance has been filed for this account. If an insurance claim has been made, please provide details regarding the coverage and its impact on the outstanding balance. Additionally, I would like to know if a 1099-C form has been filed for this account, as it may have tax implications.

It is important to note that the accuracy and completeness of reported information are paramount. As outlined in the 15 U.S. Code 1692e - False or misleading representations, debt collectors and creditors are prohibited from making false or misleading statements. Any inaccuracies or misleading information can have serious consequences for consumers, affecting their creditworthiness, financial opportunities, and overall well-being.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all ite   ms that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   #   XXXX   Never don business with this company error please delete.
2.  XXXX   XXXX   XXXX   #   XXXX   This was discharged in Bankruptcy and is listed wrong please delete.      3.  XXXX   XXXX    #  XXXX  This account was paid and is listed wrong error please delete.   4. XXXX  #   XXXX   This account was  discharged in  Bankruptcy error please delete.    5.  XXXX   XXXX   XXXX    #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    6.  XXXX   XXXX   XXXX     XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    7.  XXXX   XXXX    #  XXXX  This account was never verified please delete.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by XXXX.
Consumer complaint received 2023-08-29
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. (GA)

I am interested in processing disputes on my credit report to delete an remove all negative items that are Invalid on my credit report. this issue has been addressed an caused alot of denials on my file. none of the data is valid for all 3 credit files. please review an remove all listed items that has caused denials to correct my files asap.
Consumer complaint received 2024-03-15
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. (CA)

reviewed my consumer reports and noticed that i had a late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2017-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

In XX/XX/XXXX I filled out a loan agreement and added three stipulations to the agreement. I asked the student pay interest while attending school. I asked to be notified if the loan does not get paid and I asked the loan be denied if the terms were not agreed to by all parties. XXXX XXXX XXXX manipulated the documentation and removed all three stipulations. They then pushed the loan through and sold it off to NCT. My signature is not on the promissory note and I did not agree to the loan. In XX/XX/XXXX XXXX was the depositor on the note and they filed chapter XXXX. A large number of loans were dissolved as a result of that action. I am currently asking American Education Services for Proof my signature is on the documentation they have, for evidence the National Collegiate Trust has authority of the loan in the form of the loan location or batch number example:XXXX or XXXX, and validation the loan was not dissolved as a result of XXXX going out of business. I have been talking with AES over the past 11 years about this matter. I did provide a completed Fraud packet but they sent it back to delay the results of the investigation. They now request a new fraud packet for the purposes of obtaining my current contact information. I have one negative mark on my credit and that is AES. I pay all valid bills on time and pay off all debt I sign for but I will not pay extortion to a scam operation that will not take the time to validate the evidence they hold. I will not continue to allow them to effect my credit when I made them aware of the fraud 11 years ago. I have spent wel over 2000 hours on the phone and sent 100s of letters and emails trying to get this matter resolved. I have contacted two state governors and three IGs. I have written the current president asking for help. I have gone on social media to let others know of my circumstances and I am waiting for results. This is my seventh complaint about this company with the CFPB. Can you please look into this matter.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (IL)

I am writing to address a significant concern regarding the inaccurate reporting of dates to the credit bureaus, which has resulted in incomplete and misleading data on my credit report. Specifically, I have noticed discrepancies between the dates reported by XXXX and XXXX, as follows : XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. 
XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. 
It is crucial to emphasize the importance of accurate and complete credit reporting, as this information plays a significant role when lenders review my credit report. These dates carry substantial weight in determining the creditworthiness and financial standing of consumers. Therefore, it is imperative that these dates are reported correctly and consistently across all credit reporting agencies. 
According to the 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies, it is the duty of debt buyers, such as yourself, to provide accurate and complete information to the credit bureaus. In this case, the inconsistent and inaccurate reporting of dates has led to misleading information on my credit report, potentially affecting my ability to secure credit and financial opportunities.
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (GA)

Despite my formal notification to the collection agency on  X/X/2016    that the charges assessed me by   XXXX   were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many  XXXX  and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer,  XXXX  failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc. (AZ)

I received a letter today in the mail advising I was approved for a modify mortgage payment plan. I called to accept it but was told the plan has expired. The form says I have until XXXX to accept of make first payment. The loss mitigation company falsely said I approved the plan back in XXXX when I never spoke with them or gave verbal approval ( never new there was a plan to approve. ) they are denying this plan now even though it say 's specifically to approve it issue first payment by XX/XX/2023.
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (MO)

Tried to call company this company is called asset care is not a real company ass ets care In  c. are scammers this company people are playi ng on phone this who ever they are called tries to take money they need to be investigated I do n't owe anything are any body they illegally put  XXXX  bad collections on my account no I want these removed asap and for you all to sue them for wrong practicing its against the law to put collections on ones account with out them knowing are knowing about it never received anything from them do n't now company. she says her name was  XXXX  refuse to give me any information about me just demanded money and very rude and bad threats no one should have to put up with this cruel punishment is horrible the things these people do to get money illegally this are these people are not who they say they are.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I had an outstanding hospital balance (   XXXX   XXXX    XXXX    )  from   XXXX   XXXX   XXXX     show up on my credit report. The balance has been paid but unfortunately between moving and etc. I do not have the receipt where I paid the bill. It is showing up on my credit report under  XXXX  different collection agencies. The amount showing due is {$500.00} I have never received any notice regarding an outstanding balance nor have I received any notification from a collection agency. The  XXXX  collection agencies are  XXXX   XXXX   XXXX  and WAKEFIELD. My  credit score  dropped  XXXX  points just this week due to this showing up this week.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

My checking account with Capital One was closed without any notice to me at the end of XX/XX/. When I contacted them in early XX/XX/, I was told by a manager that my account was in violation of their terms. The manager would not explain to me what the violation ( s ) were. I am XXXX and had set up my XXXX check to be deposited directly into the account. The last such deposit was made into my account for XX/XX/XXXX XXXX  Social Security XXXX XXXX. Since they closed my account, I have not had access to any of my money from my XXXX payments that had been deposited directly into the account. They are holding almost {$5000.00} from my XXXX deposits and haven't returned them to me. This has prevented me from being able to buy medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation. Their employees have been beyond discourteous when speaking to me and very unhelpful. Ive been hung up on multiple times, had to listen to screaming in the background, lied to and sent a fraudulent check that bounced twice and for which I incurred multiple return check fees. Initially I was told that I would obtain my funds was when they mailed me a check 45 days from the date the account was closed. That never happened. As of todays date, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me beginning in XX/XX/. This was not true. After my second complaint to your agency for the same matter, a Capital One representative had delivered to me a cashiers check via XXXX on XX/XX/XXXX. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of their issuing me a bad check. I still have not received the monies that they are holding from multiple XXXX deposits. I have suffered extreme and repeated financial and psychological abuse from Capital One 's actions : refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check bouncing when they knew or should have known that they'd sent me a bad check. This is a FDIC regulated bank. All of these conversations have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by all of its actions towards me. Their actions have resulted in extreme undeserved harm for me and are a violation of my rights under law. I believe they feel they can get away with what they have done because I am a XXXX XXXX female and I believe they have acted in a discriminatory way towards me because of that. I am asking for assistance from your agency with this matter. IMPORTANT NOTE : I am a XXXX XXXX XXXX XXXX and it is very important that I am safe. I take measures to achieve that to the best of my ability. I ask that your organization not publish my full name and any of my contact information to the public and/or identifying information.
Consumer complaint received 2023-11-22
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: Carter-Young, Inc. (AL)

I am reporting two issues with the collection company, Carter Young Inc. 
1. I requested validation of an account reporting on my credit report that I was unaware of in XX/XX/. The company did not validate the account and the account is still reporting on my credit report. This is a violation. I have attached to this complaint a copy of the validation letter and proof of receipt by Carter Young Inc. via certified mail. 

2. Instead of validating the account, the company deleted the account with XXXX and XXXX and then re-reported the same account with XXXX and XXXX changing the account number and the last active date. This is the exact same account that they deleted and re-reported with different information. Also, this account is reporting several items differently with all three credit bureaus such as the account number, the open date, and the last active date. There are several violations with this account. I have attached a copy of their reported information on all three of my credit reports in XX/XX/ and in XX/XX/ to show the changing of the account numbers and to show how several pieces of information is being reported differently with each credit bureau. So many violations!
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WV)

I file this complaint to compel MOHELA to honor my request to change my payment due date back to the XXXXt of each month. My payment due date was the XXXX of each month prior to the XXXX administrative forbearance. I discovered that MOHELA changed my due date to the XXXX of each month for unknown reasons on XX/XX/2023. I called MOHELA on this date to request that my due date be changed back to the XXXX. A MOHELA representative assured me that my request would be processed before payments resumed in XXXX of XXXX. However, that assurance did not come to pass. In fact, XXXX billing statements have been generated without my request being processed. Such statements are attached. I sent MOHELA the attached email on XX/XX/2023, requesting an update on my request. I never received a response to this email. It should be noted that I never authorized MOHELA to change my due date to the XXXX in any event. I would like my request processed forthwith.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent. Please delete from XXXX XXXX Equifax.
Consumer complaint received 2023-09-12
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: DISCOVER BANK (PA)

Following inquiries, were never applied to from me, 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 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc (AL)

I called Affirm XX/XX/2023. I talk to a Supervisor, XXXX. There are XXXX accounts created without my knowledge from Affirm. One for XXXX and the other for XXXX. They are refusing to give me any information without a phone number. My phone number is not associated with any accounts. I asked them to pull it up with my social security. They are unable to pull up any accounts with a social.. I am at a lost. Someone used my social and name to create XXXX affirm account and there is nothin I can do about it. There should be other ways to get information.. They are saying I owe them but I have no way to pay them, even if I was just paying wanted to off my report.