davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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: V and H Portfolio (CA)

Vance and Huffman LLC added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my HOA. This debt could not have been validated by Vance and Huffman because it is not my debt and does not match my information.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (VA)

I AM TRYING TO IMPROVE MY CREDIT SCORE AND RATING BUT WITH A CREDITOR DOESNT RESPONSE OR YOU CALL ON THE PHONE AND INJUIRY ABOUT AND ISSUE REGARDING WRONG INFORMATION ON YOUR CREDIT REPORT AND YOU GET THE RUN AROUND OR YOU REACH OUT TO THE CREDIT REPORTING AGENCY LIKE XXXX AND THEY STATE THAT I WOULD NEED TO REPORT ANY ISSUE I HAVE TO TH REPORTING AGENCY THAT IS A PROBLEM. I HAVE 2 CITI CREDIT CARDS ONE WITH CITI SIMPLICITY AND THE OTHER WITHCITI DOUBLE CARD. XXXX IS KNOWN FOR NOT UPDATING CREDIT REPORT ACCURATLY OR THERE IS A DELAY WITH THEY UPDATE THE CREDIT REPORT. I HAD A BALANCE ON MY CITI DOUBLE ACCOUNT WHICH WAS {$1000.00} WHICH THE CREDIT UTILIZATION WAS XXXX PERCENT WHICH MADE MY XXXX XXXX LOW I PAYED THE BALANCE OFF ON XX/XX/2023 SO THEY CAN REPORT THE ACCOUNT WAS PAYED IN FULL WITH THEY SEND UPDATE TO XXXX BY XX/XX/XXXX WHICH THEY HAVE NOT DONE AS XX/XX/2023 ON MY OTHER CREDIT REPORTS XXXX XXXX AND XXXX IT SHOWS THE ACCOUNT WAS UPDATED CORRECTLY IT NOW 6 DAYS PASS SO WHAT GOING ON LIKE I SAY XXXX IS KNOWN OF NOT UPDATE ONE CREDIT REPORT ON A TIME LESS BASIC WHICH IN FACT MADE CITI DOUBLE CARD TAKE AWAY MY CREDIT CARD CASH BALANCE WHICH I HAD A XXXX CREDIT LIMIT NOW IS DOWN TO XXXX LIMIT AT THAT TIME I PURCHASE A NEW CAR BUT MY OTHER CAR WAS NOT UPDATED ON XXXX CREDIT REPORT CORRECTLY AND IT SHOW THAT I OWE TOO MUCH. LIKE I SAY XXXX DOESNT ALWAYS UPDATED THE CREDIT REPORT ON A TIME LESS SCHUDULE AND ALSO AT THAT TIME I HAD A CREDIT MONITOR SERVICE WITH XXXX AND I USE MY CITI CREDIT CARD TO SIGN UP BUT LIKE BEFORE THEY DIDNT HAVE MY CORRECT ADDRESS ON FILE WITH BOTH OF MY CITI CREDIT CARD WHICH I DID UPDATE ON THE CITI WEB SITE AND I CALLED IN TO VEFY WITH A REP ON THE PHONE WHICH IN TURN XXXX XXXXEP CHARGE MY CITI CARD 6 TIME FOR SIGN UP ON XXXX WHICH IT DIDNT GO THROUGH BECAUSE OF WRONG ADDRESS ON THERE WEB SITE THAT WHEN CITI LOOKED AT XXXX CREDIT FILE AND REVERSE MY CREDIT CASH LIMIT TO XXXX ON BOTH ACCOUNTS MY CITI XXXX CARD AND MY CITI SIMPLICITY TO XXXX ON MY CITI SIMPLICITY CREDIT CARD MY BALANCE ON THAT CARD WAS XXXX AND I PAYED THAT OFF ON XX/XX/2023 THEY SHOULD OF REPORTED THAT A XXXX BALANCE ON MY XXXX CREDIT REPORT ON XX/XX/2023 WHICH IT SHOWS A XXXX BALANCE ON MY XXXX AND MY XXXX UION CREDIT REPORT. I
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

First the credit card company has been wonderful about trying to resolve this complaint. The problem is XXXX XXXX refusal to admit to incorrectly force me to purchase another ticket in order to fly. XXXX XXXX shares with XXXX where I purchased XXXX tickets from XXXX, FL to XXXX, XXXX on XX/XX/2022 for travel on XXXX XXXXXXXX XXXX Everything seemed fine, including a valid PNR in my XXXX account to this day. Seat assignments email reminders were sent and acted upon with no problem. Upon arrival at the airport we were told that my wife 's ticket had been voided. We stood at the ticket counter for 3 hours XXXX told us that we would have to purchase another ticket. Since it was 45 minutes before the flight, we had no choice but to do so for {$850.00}. There was nothing in the computer in my XXXX PNR nor as of XXXX XXXX on the XXXX PNR. How would a ticket voided on XX/XX/XXXX remain valid in both airline systems to this very day. Additionally, XXXX did not issue the ticket until XX/XX/XXXX. Both PNR 's are attached. 
XXXX does not maintain a customer service line and the only available communication is by chat. You can see that the agent in the chat, admits holding the ticket in question not as void but as 'not flown '. XXXX insisted i resolve the issue with XXXX. 
XXXX, though, issued the new ticket as a XXXX ticket not as a XXXX ticket and therefore the new ticket was the property of XXXX. My credit card company has tried twice to get XXXX to refund the {$850.00}, to no avail. 
I have never heard from XXXX or XXXX outside of the initial chat session. They document to my credit card company that the ticket was " VOIDED DUE TO REASONS UNKNOWN ''. How does that hold up anywhere. They don't know why the ticket was voided after 8 months time. Credit card company has all documents
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I unfortunately caught XXXX on XX/XX/XXXX, someone had my information from my edd card and used it at a XXXX XXXX  in XXXX XXXX and took out {$1000.00}. I was home in bed when I seen on the XXXX someone did this, I called Bank of America and my account is still frozen with the {$3300.00} I have in there. If you add the {$1000.00} someone took out I should have {$4300.00}. At this point I just want to remove what I have left because this type of fraud seems more and more frequent. I call at least once every 2 weeks and no one will help me, not the supervisor not anyone I really just want whats left my unemployment
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

Dear CFPB, I am writing to complain about the processing of my SAVE plan application by my loan servicer, Nelnet. I submitted my request on XX/XX/2023, through StudentAid.gov. Question number 11 on the application asks, " Has your income significantly decreased since you filed your last federal income tax return? '' I answered " No '' and provided my most recent federal income tax return. 

On XX/XX/2023, I called Nelnet to confirm what document I needed to submit. I was told that only my 1040 tax file was needed and that the wait time was 15 business days. I submitted my 1040 immediately after the phone call. 

I did not hear anything from Nelnet after 15 business days, so I called again on XX/XX/2023, to ask if everything was fine and if I needed to provide any additional information. I was told that everything was fine and that the wait time was 15 business days. I was told that I could call back in a week to check the status. 

On XX/XX/2023, I called Nelnet again because my application had still not been processed. I was told that my answer to question number 11 had been changed to " Yes '' and that I needed to provide pay stubs. I was also told that there was a note on my application requesting pay stubs from me and that my application had been on hold since XX/XX/2023. I never received this notice. I had called Nelnet twice before and spoken to a supervisor, and no one had ever informed me that my application had been changed for no reason and without my consent. This is unacceptable. 

Every time I call Nelnet, it takes about 2-3 hours to speak with a representative and another 45 minutes to 2 hours to reach a supervisor. The last time I called them, I submitted my pay stub during my wait time for the supervisor, and was told it will take at least another week only if expedited request is approved and was told this is the only solution available. Nelnet is extremely non-transparent with information and policy. I was told that one form was needed, and then later that the form was not needed. In fact, no one from Nelnet has ever explained to me the difference between the REPAYE plan and the revised REPAYE plan, which has caused a delay in my application to the SAVE plan. 

I believe that Nelnet 's handling of my application has been negligent. I have provided all of the required documentation, and I have spoken to representatives and supervisors on multiple occasions. I am still not sure why my application has been delayed, and I am concerned that I am being penalized for Nelnet 's mistake.
Consumer complaint received 2022-11-29
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX : {$96.00}
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (MO)

Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. 
In the fall ( XXXX ), we received a pre-settlement check ( twice ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. 
We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included.

At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled.
Consumer complaint received 2022-08-25
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. (NC)

I am XXXX XXXX XXXX, and 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 XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Hi, I used a chase credit card to put a downpayment for a pre-order on a vehicle. I cancelled the card and closed the account due to inactivity. I still have a card and account with Chase. Months later, I told the car dealership i did not want the pre-order. The dealership said they refunded by old credit card. I confirmed this with the dealership. I was in touch with multiple debts : fraud, legal, escalations. The answer i received was they couldn't pull up my purged account due to their policy. Unfortunately, they were no help. I am trying to my refund for which i'm owed. 
Any help is much appreciated.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have repeatedly requested that LVNV Funding Llc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (MD)

Carmax auto finance is refusing to send the title for my vehicle that was deemed totaled by my insurance company from a car accident on XX/XX/2023, where I was struck by a driver that ran a stop sign. They are saying I have to pay late fees totalling XXXX cents. I've called on 4 occasions from XX/XX/XXXX through XX/XX/XXXX, being told someone will call me regarding the matter, but instead they were communicating with my insurance company that the only way the title would be sent is once the above amt was paid, requesting XXXX XXXX XXXX send payment in exchange for the title but no one ever returned my calls. There is no name referenced on the letter sent, just a department. They report charge off and write off on my credit report and also showing multiple late payments. Please advise me on my consumer rights. Thank you
Consumer complaint received 2023-06-11
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: CITIBANK, N.A. (MI)

Date : XX/XX/2022 Amount : XXXX Creditor is XXXX Citi Bank N A This Company Has Not Written Consent From Me. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written consent.

15 USC 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.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (NH)

I have a credit card with goldman sachs/apple . I have had difficulties paying the card since having only XXXX payments. I requested them to work with my debt management company and they refused. I have called several times and also sent a letter to them asking if they would reduce interest and setup a payment plan with me directly. They have refused to work with me in any way and continue to only make the payment higher and more impossible for me to catch up on and have made the regular monthly payment besides the back payment unfairly high. I called today XX/XX/18 and asked if there was any way I could resume monthly payments as they were and they said that the regular monthly payment besides the back monthly payment was now more than $ XXXX which previously was $ XXXX. So even if I paid the back payments I would now have to pay a $ XXXX monthly payment which they know is impossible for me to pay and also seems to be abusive of the collections system. I have tried very hard to do everything in my power to work with them and they have no desire to work with me and are now on top of that preventing me from being able to ever catch up on any payments. This will drive me into bankruptcy only due to this one card. They also said they will not send it to collections and so there is no way for me to negotiate or create any sort of payment plan ever as Im told they only do in house collections.
Consumer complaint received 2016-05-13
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Real Time Group, Inc. (TX)

Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.
Consumer complaint received 2023-07-27
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. (CA)

Regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. I realized that the XXXX credit bureaus failed to fix it and I do not believe that these items belong to me. These items should be deleted as a confirmation of derogatory or negative in my credit file. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. For that reason, I am asking for your help to delete these items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hi, I have sent all the required documentation to Equifax to reflect my current address ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ) but my report is still reflecting this incorrect address ( XXXX XXXX XXXX XXXX, CA XXXX ). This is not my address and I have sent in proof to reflect my actual address. PLEASE FIX THIS. I'm having inaccurate information reporting on my credit report which is causing me stress and angst. Thank you.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I sent a secure message though THEIR system telling them to close a dormant account. SEVEN months later, I check my credit report, as I THOUGHT I was going to buy a new car, and there is a collections against me for Barclays XXXX FRONTIER AIRLINES ANNUAL FEE of {$69.00}. No communication from XXXX, just SURPRISE - here 's a ding to your credit report for not paying the fee for a card that you cancelled 7 months ago! Trying to get someone in customer service to fix their mistake is worse than trying to get XXXX to fix your bill if you can imagine!  Barclays ' customer service tactics must have been from XXXX 's school of " Why Are You Bothering Me? ". XXXX from customer service told me that it will take up to two months just to remove the annual fee and that the dispute with the credit reporting agencies is out of her control. XXXX from dispute resolution told me it would take 7-10 days for Barclays to inform the credit agencies and that I would have to call them myself to ensure their mistake was fixed. Nobody even apologized for their mistake, in fact they insinuated that it was my fault for not following up to ensure they closed the account as I directed. If I could attach the screenshot of the secure messaging record anyone could clearly see they dropped the ball.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.