davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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: Experian Information Solutions Inc. (GA)

Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (GA)

I have tried to resolve the amount owed by reviewing the ledger of the last two months of the account they say I owe. After reaching out to the corporate office on XX/XX/XXXX and not receiving a callback or response to my request. I reached out on XX/XX/XXXX to the school and spoke with the current director XXXX XXXX and received a copy of the ledger for XX/XX/XXXX - XX/XX/XXXX. I called back the following day to request the previous month due to a balance that shows as a write-off when my child was re-registered after that date. No balance was discussed plus I paid for XX/XX/XXXX in full in XXXX no balance shows have been generated I will attach proof of payment. At this time I have asked them to stop reporting this debt until we can come to an understanding of the so-called balance owed. Plus I have requested for childcare network to deal with me directly. KLS needs to stay out of the matter and let me deal with childcare network.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I SUBMITTED A RECERTIFICATION ON XX/XX/23 TO UPDATE MY ACCOUNT TO REFLECT THE RIGHT PSLF PAYMENT COUNT. I CALLED AND CALLED AND NEVER GET TO ANYONE. THEN I GET A MESSAGE FROM MOHELA VIA THE WEBSITE. THEY XXXX SAY " OH WE SEE YOU CALLED IN AND SPOKE TO SOMEONE, SO WE ASSUME YOUR PROBLEM IS RESOLVED. '' ITS NOT RESOLVED AND THIS IS HOW THEY TREAT STUDENT LOAN BORROWERS. THIS LOAN COMPANY IS TERRIBLE AND INCOMPETENT. THEY EVEN HAVE WRONG NUMBERS AND EXTENSION ON PRINTED MATERIAL! 

THEY ALSO HAVE NO CLUE ABOUT MY IDR 1 TIME ACCOUNT ADJUSTMENT! THEY HAVE NO CLUE ABOUT ANYTHING AND I AM GETTING TIRED OF DEALING WITH THEM!
Consumer complaint received 2018-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TN)

On XX/XX/2018, I visited XXXX Hospital 's ER in XXXX, TN ( a public trust hospital system and an in-network provider for my insurance policies ), and was subsequently billed by XXXX XXXXXXXX XXXX, XXXX, ( XXXX XXXX, XXXX - treating physician ) for medical treatment by an ER physician. 
I currently have two health insurance policies. XXXX XXXXXXXX XXXX, XXXX, billed for {$1100.00} ( 1000 % of local pricing for ER care ). Both policies paid, {$180.00} each or {$360.00} total. This left a bill of {$810.00}. I was not billed until over 90 days from treatment date making it look as if I am late with payment. Although it seems outrageously unfair for such high billing and the use of balance billing for payment, so far all is sadly legal. 
What I found after paying XXXX  XXXX XXXX, XXXX, they used the government entity name of " XXXX XXXX XXXX XXXX XXXX, '' when I actually paid " XXXX XXXX XXXX, XXXX, '' through their collection team, " IC System '' for the remaining amount of {$810.00}. 
What I have found is that the business, " XXXX  XXXX XXXX, XXXX, '' uses fraudulent business dealings. They sell these debts ( negotiating ) to  other businesses before you've received your first billing. I do not know if these businesses are owned/in-network by the XXXX XXXX or simply sold to other collection agencies multiple times. You as a patient pay the bill, yet the owners of " XXXX XXXX XXXX, XXXX, '' again resell the bill over and over, layering the transaction. I currently get local number phone calls coming from the XXXX demanding payment for this bill ( again ) with no recognition of the confirmation number given, the same account number, or receipt by my state issued card by prior debt collectors. I do know that " XXXX XXXX XXXX, XXXX, '' has XXXX XXXX, XXXX, as its president. He also is in the XXXX for several other collection-type entities such as, " XXXX, '' " XXXX, '' and " XXXX and XXXX XXXX XXXX. '' It seems that this company is not interested in actual accounting practices for billing but possibly entering into fraud by layering the collection process with various companies to multiple bill for single debt. 
It is fraud to use the City of XXXX & XXXX Co 's trust of XXXX XXXX Hospital as the collection name. I phoned XXXX billing department and found that this debt I paid for {$810.00} is entirely " XXXX XXXX XXXX, XXXX '' and through my credit card & matching EOB 's, was paid in full. These collection companies have threatened to ruin my credit rating due to their claiming it is an unpaid medical debt. By switching company names over and over, it can seem you never paid this debt for they can claim that they never received the payment. This seems to be the strategy to gain multiple payments from unsuspecting patients. " XXXX XXXX XXXX XXXX '' takes XXXX and XXXX patients ( XXXX government payment for medical bills ), yet these very patients can be ruined by unscrupulous billing practices from companies like, " XXXX  XXXX XXXX, XXXX. ''
Consumer complaint received 2018-12-20
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. (MI)

CFPB team please review Citibank issued Credit card ( Citi XXXX Anywhere Business Card ) I was recently found out that my credit card transactions were coming up declined and after calling the customer service I found out that Citibank has decided to close my credit card on XX/XX/XXXX It is understood that Citibank has right to close my credit card but with a notice of upcoming closure. They should have given me few days to redeem my rewards that I have legal right to earn as per your terms and conditions across all these years I have had service. In-fact I have payed membership fees for XXXX in the amount of {$120.00} per year and accumulated thousands of dollars of charges on the account for which Citibank has charged credit card fees from each merchant up to 4 % for all my usage. My XXXX annual fees was {$120.00} I paid on that account that has not been refunded. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are not ready to help. 
I have my rights to redeem my rewards back for each one of these cards : Citi XXXX Anywhere Visa Business card XXXX XXXX in Fuel Rewards Cash Back was earned until XX/XX/XXXX. Closing balance for XXXX had accumulated up to {$90.00} Fuel Rewards Cash back. 
I send a letter to Escalation customer service and the citibank via USPS mail on XX/XX/XXXX. There was no response received. I had requested {$90.00} credit on my account + {$170.00} credit sitting on the account for overpayment of funds Citicards pulled from my local XXXX bank. 

It is unjust and unethical for Citibank/Citicards to forfeit my points i collected for past 1 years paying XXXX annual fees to the bank. 
I am looking for a legal decision to be held against Citibank to make these unjust decisions and stealing my benefits. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Name of company : LVNV FUNDING LLC COLLECTION/CHARGEOFF
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Department Equifax XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Legal Department, Subject : Request for Restitution for Inaccurate Credit Reporting and Failure to Conduct Proper Investigation I am writing to formally request restitution for the distress and financial impact caused by the inaccurate reporting of my credit information and the inadequate handling of my dispute by Equifax. This is in reference to Complaint # XXXX submitted to the CFPB on XX/XX/XXXX, concerning incorrect information on my credit report. 

Background In my complaint, I indicated that a charged-off debt, which has been on my report for XXXX years, is still being reported despite the statute of limitations for debt in New York being three years. Equifaxs response claimed that they could not locate my credit file for several stated reasons, none of which apply to my situation as I do have an active credit file and have been using my credit. 

Equifaxs investigation took longer than XXXX days to resolve, which is a violation of the Fair Credit Reporting Act ( FCRA ). The company responded with a final resolution on XX/XX/XXXX, well beyond the XXXX limit set by the FCRA. 

Legal Precedents Several key case laws underscore the importance of proper investigation and accurate reporting by credit reporting agencies and furnishers : XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The court held that credit reporting agencies must conduct a reasonable investigation when a consumer disputes information. This case highlights the responsibility of agencies to ensure accuracy and thorough investigation. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
XXXX. XXXX XXXX XXXX, XXXX ( XXXX ) : This case underscores the obligation of furnishers to investigate disputes and correct inaccuracies, highlighting the duties of information furnishers under the FCRA. ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) : The ruling reinforces the necessity for credit reporting agencies to conduct reasonable investigations into disputes to prevent inaccurate information from remaining on a credit report. ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D.N.Y. XXXX ) ). 

Request for Restitution In light of these precedents and the negative impact the inaccurate reporting has had on my financial situation and emotional well-being, I am seeking restitution in the amount of {$20000.00}. This amount is based on : Actual Damages : {$3000.00} for financial impacts such as increased interest rates or denied applications. 
XXXX XXXX : {$7000.00} for the distress caused by the inaccuracy. 
Punitive Damages : {$10000.00} to punish and prevent future similar actions
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I was in the hospital at the time of this {$44.00} dollar issue arouse. I had no access to my account I remained in the hospital for XXXX weeks. Once I was home, I was able to get my account back to positive status I was never late with a payment before or after this hospital stay.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

I opened a new checking and savings account with SOFI, I transferred money from my account with XXXX bank XXXX XXXX XXXX XXXX XXXX ) to the new checking account at SOFI. The account was then frozen for suspicious activity. 

on initiated transfer from XXXX ( XXXX XXXX XXXX Bank ) XXXX XXXX to XXXX. XXXX of XXXX SOFI credited {$2200.00} to Savings on initiated transfer from XXXX ( XXXX XXXX XXXXXXXX XXXX  ) on XXXX XXXX to SOFI. XXXX XXXX XXXX credited XXXX to checking on initiated transfer from XXXX ( XXXX XXXX XXXXXXXX XXXX ) on XXXX XXXX to XXXX. XXXX XXXX SOFI credited XXXX to checking at around the XXXX or XXXX of XXXX found out my account is restricted when logged into app, called SOFI Bank and was told investigation is going to strange activity, I explained to them them account is new and the deposits made is from external bank. I was told to continue to check app to see updates no updates seen, called back 2 more times. then on last call I asked to speak to the manager and was told she has no manager and she hung up the phone.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (GA)

Making payments to a company that I don't have a legitimate contract with. This is confusing and misleading sale tactics. I'm trying to figure out who wrote the loan ACA or XXXX? This is a conflict of interest and the possibility of embezzlement. I should have received a contract from ACA explaining its terms and conditions. Is this a binding contract with the lean holder ACA OR XXXX? As a customer im confuse.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

2 months ago capital one started servicing my cabelas credit card. I would log in to my capital one account to make payment on all my cards, for I have 2 other cards with capital one. I would log in and the system would read I am at XXXX balance on all my accounts. A couple of days ago I get a weird email, it say I am past due 2 payments and to call to make account in good standing. I called the lady was very nice and admitted that my cabelas card was not on the portal and I had to add the card to the account. I said I had no Idea about that, she said she understood and took back the late fees and made the account good. I then noticed today my credit took a huge hit and dropped a 100 points due to no payment.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

XX/XX/scrub>XX/XX/XXXX  Notified by Credit Report that my Citicard had been compromised- placed all credit cards on credit freeze through all four credit reporting agencies. 

XX/XX/XXXX Placed Citi Credit Cards on Purchase Freeze ( No transactions should be processed ) I have called and asked that all my accounts be closed on the following dates : XX/XX/XXXX asked that accounts be closed as Citibank continued to post charges to my cards I had on freeze. 
XXXX at XXXX XXXX - Again requested accounts be closed as I had received charges from a casino in XXXX, I've never been to XXXX.
Consumer complaint received 2023-09-21
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-05-10
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: National Credit Systems,Inc. (AL)

On XX/XX/2024 a dispute letter was sent out to the credit bureau regarding a discrepancy that was uncovered upon my review of my most recent report. The company XXXX XXXX XXXX is reporting on XXXX, XXXX, and XXXX that the original creditor XXXX XXXX XXXX states that I have an owed balance of XXXX} as of XX/XX/2024. I contacted the original creditor who stated that I originally signed a XXXX month lease. I have requested that the original creditor provide proof of signed documents along with the same request to XXXX, XXXX, and XXXX. As of today XX/XX/2024 no supporting documentation has been provided to me. 

" SEE ATTACHED ''
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I had XXXX XXXX XXXX loans with XXXX  and the total was {$110000.00} prior to interest starting back up. I submitted a paper application on XX/XX/XXXX to Nelnet requesting to consolidate XXXX of the loans for a total of {$51000.00}, as well as an application for IDR payment plan. They received the application XX/XX/XXXX and I was notified that my loans were being processed and should be completed by the end of XXXX. When I log into my Nelnet account I have a balance of {$100000.00} which is double the amount is should be. I called Nelnet on XXXX at XXXX and waited XXXX minutes to speak to someone. I was advised when they first process the loan the amount doubles but will be corrected. This incorrect amount was also reported to studentaid.gov. This will eventually be reported to the credit bureaus, and interest is piling up on this incorrect amount. I need someone to help fix this asap. Thank you,
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diverse Funding Associates LLC (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
Consumer complaint received 2023-05-06
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. (FL)

I am processing disputes on my credit report with Equifax to delete all inaccurate information that is hurting my file. please review an delete all data listed this had held my file down for years. I need this issue deleted asap.