davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I have a 30-day-late mark on my credit reports from my ( closed in mid-XX/XX/2019 ) Citi AAdvantage Platinum Select World Elite Mastercard ( XXXX XXXX XXXX XXXX ). I had not used the card for all of 2019, and had the {$95.00} annual fee post on the card on XX/XX/2019. I called Citi in late XXXX/XXXX  XXXX before it was due to have the annual fee taken off and the card downgraded to the fee-free ( AAdvantage MileUp ) version. 

When I spoke with the representative, they explained the change process, and understanding it would take some time, I specifically asked when the {$95.00} annual fee would be taken off. I know that sometimes it takes a couple billing cycles before an annual fee or other charge is removed, so I specifically asked do I have to pay the {$95.00}, or will it be taken off before it is a problem? I was told by the call center representative that the fee would be taken off ASAP, and t

hat I did not have to pay it or do anything further. Because of this, I obviously never paid the {$95.00}, having been told it was going to be removed before it affected me, and thus got a late mark on my credit report. I think it is self-evident that, having always paid on time with Citi and every single other bank ( zero late payments on my credit reports other than this one ), I did not pay it because I couldnt
afford it, I only didnt pay because I was specifically told that I did not have to. The {$95.00} annual fee was the only charge on the card at the time ; there werent any other charges for the entire year of 2019. I also have a letter sent to me by Citi ( see attached ) that clearly states I scheduled the card to be downgraded to a fee-free version on XX/XX/2019.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My XXXX account is closed and has a XXXX balance. Experian is the only agency with incorrect information they still show a balance. I filed a dispute the balance at XXXX is XXXX  They will not change my credit report
Consumer complaint received 2020-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I XXXX XXXX, Have a wrongful repossession with my car with Capital One. It was conviscated on XX/XX/XXXX. I purchased the 60 month loan on XX/XX/XXXX while i was employed at XXXX XXXX XXXX XXXXXXXX  and making a decent salary at that time. However, the following month i was pulled out of work for serious health issues due to stressful enviroment after being employed there since XXXX. I was rewarded benefits by my employer some time after due to the fact they caused me to be ill and have been living on a fixed income ever since. Capital One is aware and i been struggling to make my payments at some point but i did. I do not receive any other source of income to help with my other living expenses such as my rent, food, phone, utilities, etc. I receive a check every XXXX of the month. And they have documentation of my hardship which im currently still in. They did not inform me of the car being in the process of reposession on paper. They refuse to give me information of my maturity date of loan being paid off. Which i know that i am close to it being paid off. I have financed it ever since and the company is stating i am 6 months behind and i have proof of payments showing that i am not. The company will not talk with me and if so very rude and i am time sesitive on this matter of 14 days or my car will be auctioned off. i do not know where the vehichle is stored or no additional information on it. They want me to pay XXXX to get my car back thats it. This is causing me alot of stress not being able to get answers, get to my XXXX XXXX, doctor appointments due to XXXX   XXXX in XXXX of XXXX, not being able to get my medication. I have my original contract agreement of the car. And some names and information i have of customer service saying one thing and then another. NOBODY will talk to me at this company and its all recorded. i did not agree to refinance my car or agree to anything else by law to cause my financial situation anymore strain. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I enrolled in the Wells Fargo Forbearance plan last XXXX. Before I enrolled in the forbearance plan, my loan balance was {$160000.00} XXXX or {$150000.00} from Wells Fargo representative ). After 5 months, when I am ready to resume monthly payment to the loan, I found out that my loan balance is increased to {$160000.00}. I didnt make any modifications to the loan. I called the Wells Fargo loan department. The representative told me that the increased amount of {$4900.00} XXXX $ XXXX {$150000.00} XXXX is the total deferred monthly payment, and is added back to the loan balance at end of the forbearance plan. However, the deferred amount did not deduct from the loan balance at the beginning of the forbearance plan. So, I need to pay XXXX the deferred monthly payment. The loan balance should not change at end of the forbearance plan since the loan was not modified. I called Wells Fargo several times and spent more than 10+ hours on this case, and they refuse to fix the mistake.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (LA)

On XX/XX/2021 I got an email saying my account close and I been with this bank for years. They close my account with XXXX dollars for no reason. They couldn't even give me a reason. I call and was told they was going send me a check in the mail within 30days
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

In response to complaint XXXX My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for furnishing this false and misleading charge off to my consumer report. 
World Acceptance Corporation stated, XXXX XXXX received a loan from our XXXX, GA branch on XX/XX/2017, in the amount of {$420.00}. 
XXXX aware that my signature paid for this transaction, and nothing was actually loaned to me. To insinuate that I was actually loaned anything of equal value constitutes a fraud being committed. 
If this bank did indeed give me a loan as they allege, I would need a senior XXXX member of this organization to put on a sworn statement of facts attesting to that. I am aware that obtaining money by means of a fraudulent loan would make World Acceptance Corporation liable for civil and criminal penalties under 18 Code Code 1341. If this cant be done, World Acceptance Corporation cant allege they loaned me anything and shall return to me, by way of check to the address on file, the {$70.00} I made to this fraudulent loan. 
World Acceptance Corporation state XXXX XXXX debt was charged off, not canceled. 
I would like to thank you for clarifying that the alleged debt was charged off an because it was charged off, I am aware that collection activity should have ceased. Collection activities include reporting delinquencies to the consumer reporting agencies.

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
This account is reporting as both inaccurate and false and misleading. You are now committing unlawful extortionate collection activities and in violation of 15 Code 1681s-2 by furnishing knowingly false and misleading information as a means of coercing me to pay this alleged debt.

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 
This is my refusal to pay this alleged debt until the documentary evidence requested herein this complaint is provided. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (AZ)

I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair Credit Reporting act.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

I have a PayPal XXXX account for my company XXXX XXXX. During the year 2019, I was operating a PayPal account using my company 's email ( XXXX ) and tried to sell items that PayPal did not allow for the sale of in their acceptable items list. I was selling Vaporizers in accordance with Oklahoma law where I was selling them. PayPal 's brand risk department and I spoke through email correspondence and resolved the issue I removed all vaporizers from my store and stopped selling them. 
PayPal then fully reactivated my account, and I did not try to sell vaporizers anymore instead men 's clothing and electric bicycles were the products I decided to sell. During this past XXXX, I started using PayPal 's currency conversion tool that is in their Money tab to convert my USDs to Foreign XXXX Currencies ( I diversified spreading risk among multiple investments in foreign currency as my Finance Degree told me to ). I chose well, and my investments increased in value due to increases in exchange rates. PayPal then froze my account again and sighted my trying to sell vaporizers as the reason for the freeze. I have actually had really bad sales through PaPal and only had been using it to store small amounts of capital I was using for advertising payments to internet-based ad agencies in attempts to sell the men 's suits, and electric bicycles I had purchased wholesale from XXXX manufacturing plants.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

Experian XXXX and XXXX are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-12-29
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)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information ( XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX -Transunion XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LendingPoint Holdings LLC (CA)

I applied for a loan online, the company lending point said my credit score was XXXX using XXXX. I know for a fact my credit score is over XXXX because I just checked it. I think they are attempting to charge me a higher interest rate
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, 2024 Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian, a prominent credit reporting agency. 

On XXXX XXXX 2024 a Bankruptcy Removal Letter was sent to Experian informing the credit bureau of the unverified Bankruptcy on my credit profile. 

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, Experian has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that Experian has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure Experians compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

Department of Education is not refunding me my XXXX payments even though I requested it as they stated on their website that I could request it. My loans were being serviced by XXXX and I had requested in the beginning of XXXX for payments made during the Covid pause be refunded. They said I would received confirmation of the request in 30 days. In the beginning of XXXX, my loans had then been transferred to Mohela for the XXXX program. I submitted a case on XXXX on XX/XX/XXXX requesting confirmation of my request. They ignored me for a month and then I asked for an update on XX/XX/XXXX ( Feedback Case # XXXX ), they closed the case not giving me an answer to my question. I then submitted another case on XX/XX/XXXX ( Feedback Case # XXXX ) asking for them to respond to my inquiry and was once again, not given an answer. I still have an open case from XX/XX/XXXX asking for an Ombudsman and a request for confirmation of the refund request ( Feedback Case # XXXX ) I followed with Mohela and they said I would get the Covid refund after my loans were closed out. I was on the Direct to Discharge list as of XX/XX/XXXX. On XXXX, my loans had been forgiven and I reached out to Mohela about the XXXX refund. They said I'd be getting {$100.00} back. I made payments on XXXX/XXXX/XXXX of {$320.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$250.00} and XX/XX/XXXX {$200.00}. This totals {$2400.00}. Now I'm being given a run around and I don't see the Department of Education actually doing anything now that my loans have been closed out. They said they escalated it to an Ombudsman but I don't have any hope of this being resolved. They ignored my request and now I feel will tell me it's too late. I did what I was supposed to do and they ignored me.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Transunion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX
Consumer complaint received 2023-12-29
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. (TX)

My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
XXXX  bank account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Sensible Auto Lending, LLC (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

On XX/XX/2019 I went to the pediatric clinic XXXX XXXX XXXX XXXX for problems with XXXX. I was waiting for my XXXX XXXX XXXX at this time. The woman that I had my first contact with told me the cost of all my attention was {$440.00} and it included all services ( test, ultrasonography, doctor ). She told me that XXXX XXXX  could pay me my money back. The doctor did not have the necessary skill even though I asked for a XXXX  she was a Family Doctor. 
Months later I received a bill for laboratory tests that I suppose I had paid for. My husband went to the clinic, and they said that they can not fix the problem, so now I have a debt collection about that.
Consumer complaint received 2023-01-16
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Delete this/these accounts unless you want to be held accountable for {$1000.00} per account