davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NC)

I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

On XX/XX/2022, I started a transfer to my niece XXXX XXXXXXXX for {$2900.00} to be converted to XXXX BRL. They took the money out my account on XX/XX/XXXX and on XX/XX/XXXX they told me that it had been delivered into her account. I sent a message to my niece to make sure the transfer had gone through. It had not. XXXX got online with Remitly to tell them this. The told me they would look into it and get back to me. For several weeks I would contact them to get answers and for them to find my money and complete the transfer. Always they would ask me to wait 24, 48 or 72 hours while they look into it. Last week told them that I had enough and for them to just give me my money back. Still the same answer as before, please wait 24, 48 or 72 hours. Finally I told them if they couldnt take care of it I would contact the CFPB. After that they started calling to say that they are working on it. But each time they call its still the same. Please wait. We are waiting for our partner bank to get back to us. Its been four weeks since they said it was delivered when it hasnt.
Consumer complaint received 2023-03-17
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. (TX)

I had a repo back in 2019 thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I authorized my bank to send a lump sum payoff to Capital One. It was my intent to complete payoff the card. After my payoff was issued, Capital One still showed an interest charge of {$34.00}. I contacted the company to respectfully request waiving this charge since it was my error, I was not aware that I had to call in for a payoff amount. 

The company after many attempts to request waiving this small charge based on my many years of excellent payment history, they appear to be unwilling to waive this charge, even though they are fully aware of my effort to completely pay off my account. I spoke with a XXXXXXXX XXXX  XXXX - XXXX on XX/XX/2022 and she told me she had full authority to make decisions on this account. She decided not to waive this {$34.00} charge. 

Please work with Capital One on this matter to resolve it. 

Thank you,
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have written as suggested by the CPFB to 2 different lenders revoking my ach authorization. As suggested I went to my bank, Bank of America, with copies of my revocations more than 3 business days in advance to notify them that I had revoked my authorization and they would not even acknowledge the correspondence. In fact they acted as if they never heard of Reg E, would not place a block on any or all debits from my account and said if something happens I can file a dispute then. The branch rep went so far as to say " we have washed are hands of these things, and leave it up to the consumer to figure out. ''
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are reporting a fraudulent account on my credit report. The collection agency XXXX XXXX has dismissed the case and filed a nonsuit without prejudice which I will attach to this complaint. The company does not have a copy of my ssc, or a photo id, meaning that anyone could have opened an account in my name. I will also attach my data breach claim in which I found out that my information was compromised in the 2017 XXXX data breach. If this account is not deleted within 15 days, I will be seeking legal action and compensation up to {$1000.00} per FCRA violation. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I am reaching out in my continued effort for my student loan servicer to be held accountable for its multiple violations of both federal and state law. XXXX and Aidvantage have ignored my multiple requests- which reveal their illegal conduct. XXXX/Aidvantage XXXX XXXX '' to my prior CFPB complaint, completely avoids any recognition of their misconduct. Instead, it applies inaccurate information and glosses over its illegal behavior. 

XXXX and Aidvantage purposely withhold information from student borrowers, steer student borrowers unnecessarily into forbearance, violate FOIA, student borrowers bill of rights, and the HEA. The CFPB must hold the student loan servicer accountable - as they refuse to remedy, or take any responsibility for their abuse of student borrowers.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

I AM FURIOUS!! WHY IF MY PAYMENT IS POSTED TO MY ACCOUNT AND IT SAYS MY AVAILABLE CREDIT IS A CERTAIN AMOUNT WHY AM I LOCKED OUT OF MY DARN CARD AND CANT USE IT? YOU HAVE RECEIVED MY PAYMENT. YOU HAVE POSTED MY PAYMENT BUT YOUR HOLDING MY AVAILABLE CREDIT " HOSTAGE ''??!! UNTIL " YALL FEEL LIKE IT? '' XXXXMMENITY RECEIVED MY PAYMENT OF : {$3100.00} ON XX/XX/2022!! POSTED THE PAYMENT TO MY ACCOUNT ( SO IT CLEARED THE BANK ) AND MY ACCOUNT SHOWS I HAVE {$2100.00} AVAILABLE CREDIT BUT YOU ARE NOT RELEASING THE MONEY UNTIL YOU FEL LIKE IT?? THEN REFUND MY PAYMENT AND I WHEN YALL DECIDE TO RELEASE MY AVAILABLE CREDIT THEN I WILL SEND THE PAYMENT IN! YOU CANT ACCEPT PAYMENT THEN NOT RELEASE THE FUNDS!! THATS STEALING!!! 

EITHER RELEASE THE HOLD ON MY LIMIT OR IM CONTACTING MY ATTORNEY AND FILING THEFT CHARGES!! COMMENITY BANK BASICALLY TOOK THE MONEY FOR MY PAYMENT, APPLIED IT TO MY ACCCOUNT BUT SAYING, " BY THE WAY, U DONT HAVE ACCESS TO THE ACCOUNT? AND THE ACCOUNT IS STILL OPEN??? XXXX XXXXXXXX XXXX XXXX IF MY FUNDS ARE NOT RELEASED AS OF THE DATE MY PAYMENT CLEARED WHICH IS DAYS AGO, I AM CONTACTING MY ATTORNEY TO FILE THEFT CHARGES AGAINST YOUR BANK!! ND ALSO THEFT BY DECEPTION!! YOU TELL ME TO MAKE A PAYMENT, I MAKE THE PAYMENT, YOU CLEAR THE PAYMENT BUT I HAVE NO ACCESS UNTIL YALL DECIDE TO RELEASE MY MONEY???? I THINK NOT!! I WILL ALSO BE FILING A COMPLAINT WITH THE, CONSUMER FINANCIAL PROTECTION BUREAU TO ADVISE THEM OF THIS " PRACTICE '' OF YOURS!
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2022-07-08
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. (GA)

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, XXXX, Equifax, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX  IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Per what is showing and in dispute on my credit report date-XXXX amount- {$810.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX amount- {$590.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute MIDLAND FUNDING XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I FILED A COMPLAINT WITH CFPB NUMBER XXXX REGARDING WELLS FARGO BANK, WE HAD BEEN COMMUNICATION OVER THE PAST YEAR REGARDING AN INSURANCE CLAIM REIMBURSEMENT. ON XX/XX/2018 I  COMMUNICATED WITH XXXX XXXX, XXXX XXXX ON A RECORDED LINE THE ABOVE NAMED REPRESENTATIVE OF WELL FARGO DID EXPRESS TO ME THAT HE COULD NOT UNDERSTAND WHY XXXX XXXX OF WELLS FARGO ALSO WOULD INDICATE THAT I WAS NOT A " PERSON OF SUCESSION '' WHEN IT WAS RIGHT THERE IN THE FILE ( THIS IS AVAILABLE SHOULD YOU DESIRE THIS RECORDED CONVERSATION ). ABOUT AN HOUR OR SO LATER I RECIEVED A SECURED EMAIL FROM XXXX XXXX ADVISING ME THAT I WAS NO LONGER " A PERSON IN SUCESSION '' AND THEY COULD NO LONGER DISCUSS ANY MATTERS WITH ME UNDER THE FAIR DEBT AFTER 3 CALLS TO MR. XXXX AND NUMERIOUS E MAILS REQUESTING A FOLLOW UP OR HIS SUPERVISORS NAME NO COMMUNICATION HAS BEEN RECIEVED. YOU ALSO CLOSED THE ABOUT CITED CASE XXXX AS THEY INDICATED THAT I WAS NO LONGER A PERSON OF SUCESSION. HOW AFTER OVER A YEAR PLUS OF INTERACTION WITH ME HAVING ME ENDORSE CHECKS FOR THE ESTATE, ENDORSE CHECKS FOR THE CONTRACTOR AND ENTER INTO CONTRACTS WITH THE CONTRACTOR, ALL SUMMITED WITH XXXX SHOULD YOU NEED TO REFERENCE ANY OF THIS MATERIAL. 
WE WOULD LIKE THE {$5700.00} RELEASED TO THE CONTRACTOR OR A CONTINUED DISCUSSION ON WHAT WELLS FARGO WOULD REQUIRE TO RELEASE SUCH FUNDS. LOOKING FORWARD TO YOUR RESPONSE.
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On XX/XX/14, I paid off a student loan with XXXX in full via debit card, over the phone, in the amount of {$4300.00}. Instead of applying the payment as directed the payment was distributed to all loans ( I had XXXX loans ). When I contacted XXXX and insisted the money be re-appropriated they did not close the loan instead kept the loan open as 92 % paid and charging interest. After numerous calls, they would not resolve their mishandling of my payment. Subsequently the loan is now with Navient and I am still dealing with the same inaction on this particular loan. In spite of my efforts to deal with this and the fact that I have a bank statement that shows the payment, they refuse to terminate this loan. On several occasions diverting payments from other loans I am repaying. It is obvious that this pattern is intentional with both agencies, and I don't know how, or who to resolve this matter. The amount they claim I owe is less than {$700.00} mostly interest since XX/XX/2014, but, I paid the loan in full, four years ago and feel I am being defrauded and not have to pay any further. I need to know where to turn to, so I can resolve this act of fraud by these agencies as it will unfairly affect my credit. In short, I WANT TO FIGHT BACK! but I don't where to turn sincerely XXXX XXXX
Consumer complaint received 2018-08-21
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MI)

Ally Financial removed their bureau report from my account resulting in an upswing in points. Ally has twice reported the same account to my bureau report that, including late payments from XX/XX/XXXX and XX/XX/XXXX, that have been negatively impacting my credit again. I do not understand why the entire account is reporting after being removed from my credit report
Consumer complaint received 2023-08-16
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. (FL)

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 a gainst you!
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Common Wealth Mortgage Services (CO)

I have always paid my mortgage half at the beginning of the month and half at the end to in order to help with my finances as I do not get paid on regular basis. After refinancing with XXXX XXXX for my mortgage, I was called by customer service asking me to pay the full amount by the XXXX of each month. I told customer service that I have paid ahead so there should be no reason to charge me a late fee I need to pay two times a month. I am not exactly sure of the dates of this conversion but I am thinking maybe around XX/XX/XXXX/XX/XX/XXXX. 

Recently ( XX/XX/XXXX ) I received a letter from XXXX stating as of XX/XX/XXXX they will no longer accept partial payments and any partial payments will be sent back to me.
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IN)

We had an arson fire to our large garage and hired a company for board up service. The company we hired was XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, In. XXXX. One young man showed and put up s few pieces of cheap flake board on one garage door and a small window that the arsonist broke for access. This took an estimate of one hour. My mistake was not asking the charge for this. No contract. They billed me {$550.00} I was taken aback, needless to say. I think this is grossly excessive. My complaint went nowhere. They have sent this to a collection agency.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (DC)

Equifax has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (UT)

I have been using the same venmo account for a couple years. I ended receiving a large tax refund and after a week. They froze my account and have refused to disclose the reasoning behind it. I have look into terms and conditions and I can not identify which t & c I broke. I still have thousands in the account and have zero access to it. They say it would take 6 to 7 days on XXXX XXXXXX/XX/2022. And they still keep repeating that even now which is the XXXX of XX/XX/2022. The terms and conditions were unclear about how to unfreeze an account. Due to this I have already been negatively affected by this. Loss of phone service, late payment fees on rent, and inability to even get food.
Consumer complaint received 2019-01-08
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. (IL)

this is what is reported on my credit report by Experian : US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Reference XXXX I have supplied Experian with information directly from the courts in writing that they have not and do not verify court records. They also have failed to report and furnish accurate information such as the court name and reference number. 

Attached you will find a letter from the United States Bankruptcy Court, XXXX Division. I have no knowledge of who the " US BKPT CT IL XXXX " is, nor have I received any correspondences from such a business or division. I also have no knowledge of the case number referenced above ( XXXX ). I have asked Experian through multiple channels not limited to the themselves, the CFPB, and the Attorney General to provide the furnisher of this information. They have yet to respond with where this information is obtained. Per FCRA 611 they are required to provide the name, number, and location of the furnisher of this information. They have failed to do this on numerous occasions as well have failed to provide accurate information. I'm asking for this item to be removed from my credit report as it is not reflecting accurately.