davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. 

On XX/XX/2018 I received a message on my XXXX  XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. 

On XX/XX/2018 I received an email stating that XXXX   XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX   XXXX  hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX   and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.
Consumer complaint received 2020-04-17
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: EQUIFAX, INC. (TX)

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} {$8400.00} No. of Months ( terms ) : 0 0 0 High Credit : {$8400.00} {$0.00} {$8400.00} Credit Limit : {$7400.00} {$7400.00} {$0.00} Past Due : {$8400.00} {$8400.00} {$8400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Late Payment Status : Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 1 time ( s ). Was 150 days late 1 time ( s ). Was 180 days late 1 time ( s ).

Was 30 days late 2 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ).
Consumer complaint received 2018-09-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (KS)

I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX  not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX   as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.
Consumer complaint received 2018-09-28
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. (KS)

On XX/XX/XXXX I sent a dispute letter to XXXX and Transunion to delete an account on my credit report for XXXX. XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX County KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX   XXXX originally posted the collection account on both XXXX  and Transunion in the amount of {$1400.00}. After the judgment, they changed the collection amount on XXXX and Transunion to {$880.00}. I sent XXXX  and Transunion all supporting documents from the court case and after my dispute was " investigated '' by XXXX they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. Transunion stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX XXXX on Transunion on XX/XX/XXXX and XXXX  on XX/XX/XXXX.
Consumer complaint received 2022-08-12
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. (DC)

I am XXXX XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-04-16
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: Experian Information Solutions Inc. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

Dear CFPB, I received a letter from Ally Bank on XX/XX/2022, dated XX/XX/2022, with the subject " Advanced Notice of Account Closure, '' stating that " We'll close your accounts on or about XX/XX/2022. '' The letter did not state a reason for the closure. 

I called Ally and spoke to an employee and a supervisor, and neither one gave me any information as to the reason for the account closure. 

They stated they had the legal right to do so under the Deposit Agreement, but it is unacceptable to put consumers at financial risk by suddenly disrupting their finances for no apparent reason. 

I request closer scrutiny and oversight of this institution and their business practices to ensure they are following all applicable laws and rules. 

Thank you.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (SC)

I received a notice on XX/XX/XXXX from this company with several violations that I cited on the notice. On XX/XX/XXXX I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). On the communication sent via mail from this company pursuant to 15 USC 1692g ( 4 ) and 15 USC 1692g ( 3 ) I did not receive notice that I have the right to dispute this debt. This company also seems to have committed identity theft due to myself never doing business with them or giving them my location information about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt which according to 15 USC 1692e ( 10 ) is also a violation. Having to deal with this has literally caused me mental anguish and stress. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX
Consumer complaint received 2023-02-07
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (GA)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use my credit report.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX  reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have tried to fix this issue with each credit bureau, XXXX, Experian and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

My credit card stopped working for some unknown reason a few days ago. 
I sold my house, had the telephone disconnected, and began staying at a hotel until my new house is completed. 
Have tried many times over several days to get XXXX XXXX to remedy the situation. 
Each time I am told that someone will call me back on my cell to verify info. 
The return call has never taken place. 
My account has always been in good standing. 
Balance paid in full and on time each month.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have been a with COMENITYBANK/VICTORI  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (IL)

Sofi is not following truth in lending guidelines unfair lending practices I applied to Sofi for a loan and they denied me my own credit with a adverse action letter in which I know I am the original creditor and you cant be denied your own money this is my own money I am receiving from Sofi also Sofi has discriminating against consumer XXXX XXXX
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (MO)

I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX XXXX and experian is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (TN)

There were multiple charges I didn't authorize or make that were made minutes apart for same amount however the merchant name would slightly change on each transaction. I tried to serch and ask for information about the merchant yet couldn't find anything or never received any details from dispute team at my bank! I was just told dispute was finished and no credit would be issued due to no error found which it only took a week for their investigation which I found to be odd " normally it takes at least 10 days or longer, '' 7 days is a very fast and quick investigation which explains why I didn't get any details about it or information to be able to contact the merchant myself.
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2018, I attempted to make a transaction for 4 tickets to the XXXX XXXX XXXX preseason game. I found a seller on craigslist who directed me to XXXX to make a transfer. I made the transfer of {$160.00} and subsequently discovered that the tickets did not get sent. I attempted to reach out to the seller via text and calling him at the number he provided and received no response. 
That same day, I attempted to reach out to Bank of America and they were unable to assist in providing any sort of protection or refund. Upon further review, it appears that XXXX does not come with the same sort of backing that a company such as XXXX has. My complaint is that the partnership between Bank of America and XXXX is very misleading and does not give adequate, consumer-friendly expectations that XXXX is unsecure and rife with scammers. There is no built-in infrastructure to deter fraud and the fact that they are in partnership with Bank of America and other big banks lends credence to the idea that XXXX is a credible, reliable and trust-worthy means of making transaction. Clearly, this is not the case.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

So in XX/XX/XXXX I requested a payoff amount for my vehicle and when It was given to me, I paid it. I was told by XXXX XXXX that its been paid in full and that they will send the title via mail. A couple months later I havent received the title so I called and come to find out the address they sent it to was not the current one so we then proceeded to change it to the current one. In XX/XX/XXXX I still have not received the title and on top of that received a delinquent notice on my credit report. I did some research and found that the delinquency was from XXXX XXXX. When I called in I was told that they gave me the wrong pay off amount and that there was a {$17.00} balance that they have been trying to collect. I didnt receive any mail from them because again they had an old address even after I tried changing it the last time I spoke with them. So the supervisor said if I paid the {$17.00} and some late fees that they will fix the delinquency on my credit because it was their fault they gave me the wrong payoff amount and that they didnt change my address when I last spoke with them. A few weeks after that phone call I received a signed document that allowed me to request a duplicate title from the DMV. Fast forward to XXXX I checked my credit report and I see that the delinquent reports from XXXX XXXX is still there. I called in on XX/XX/XXXX to see what was going on and they told me they dont know and that because the account was closed they dont have any notes on the account.
Consumer complaint received 2020-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

I have been seeking instructions to pay from an overseas bank account for months. I have moved out of the US and do not have a XXXX XXXX account. I have tried seeking this information by email, by messenger on the Navient website, and by phone. When calling I am told they will look this up and call me back. I get no return call. Over email I get a form message that they can not give me information over email and to call. Over the Navient website messaging I get no answer.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

XX/XX/2020 I tried to us my chime bank card and it said it was unable to charge. I tried to open the chime app and it informed me that my account was closed. When I emailed chime I got a generic automated email stating my account has been closed and they can not provide me any reasons why. I emailed them back and asked for a supervisor. In which I got a representative and they stated that. I have to wait 30 days for my remaining funds that was in my account to be mailed to me. I also received a following email the reason why my account was closed was due to not submitting an W9 form, which that is for independent contractors or free lancers. I work for an actual company and only fill out w4 forms. They told me to email them my govt ID and social security card to potentially reopen my account, and I havent heard from them since.