davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates ( PRA ) has reported a debt allegedly owed to them for several years to credit bureaus. They have also attempted to collect this debt by means of phone calls and letters. 

PRA states on their letters that account information and resolution can be found and accomplished on their website, XXXX. Upon logging in to the website, I discovered that there are no accounts listed as open. A message appears stating " This account has been settled in full, '' with no other details. There is a navigation option at the top of the page that says " Account ( s ), '' indicating that any open accounts should show up when that link is clicked. Upon clicking the link, the same message appears saying only " This account has been settled in full. '' It appears that there is no record of any open account on PRA 's website.

Based upon the fact that the company seemingly has no record of an open account, I disputed the reporting of this account to the credit bureaus. I also disputed the account with PRA directly.

PRA has not responded to my inquiry and has re-affirmed ( re-reported ) the account to the credit bureaus, noting that it is disputed but that it has been confirmed and meets FCRA requirements.

The act of reporting an account to the credit bureaus while having no record of it or the ability to resolve it is a false, misleading, and confusing action. No consumer would have the ability to resolve an account that does not show up in a company database yet is still being reported to credit bureaus.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (PA)

I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX license number 7. XXXX XXXX XXXX proof of ownership
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

About two weeks ago I contacted Chase Bank regarding my debit card and a card chip issue. I was told that the card only needed a reset. Since then I've had issues woth my card declining, unable to access funds via the ATM, or request cash back on purchases while at a terminal. Today, XX/XX/2021, I contacted Chase customer service to request a new card. Currently, I live about 30 to 40 minutes from the nearest branch and have no cash on me. I asked if the card could be expedited. I was told that there would be a {$5.00} charge and that they're not authorized to waive the fee. Instead, now I have to wait 3 to 5 business days to get a new debit and to have access to an ATM near me. I'm stuck having to use my credit card for purchases. This type pf behavior and their unwillingness to assist a customer by waiving a fee is clearly a form of an abusive and unfair practice. I will be closing my account, but I could not let this type of behavior go and possibly affect other customers that may facing some sort of hardship and may require expedited access to access device. Your bank should clearly consider the potential heightened risks of XXXX violations or what could possibly cause regulatory scrutiny. Treat your customers like people rather than a dollar sign and maybe this way you'll retain your clientele.
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I continue to struggle with XXXX. There has been an obvious miscalculation of Public Service Loan Forgiveness payments, counting only 9, as I have been making full monthly payments through and income-driven repayment plan faithfully since XXXX when I first consolidated my loans for the express purpose of being in the Public Service Loan Forgiveness program. I just recently sent updated employment certification forms - again - from eligible employers with eligible employment XXXX, detailing no new information I have not sent multiple times since XXXX. I received a reply back that the forms were received and no updates were to be made, and they detailed my eligible employment dates erroneously in spite of having clear, concise data on the proper forms that indicate a continuous period of eligible employment. 

I have always submitted all paperwork on time every time it was asked of me, and I have never had to stop making eligible monthly payments because of financial trouble. Twice in the last few years I have had my account put in forbearance because of their clerical errors - already detailed documented in a Consumer Financial Protection Bureau complaint I have placed in XX/XX/XXXX - that contribute to a significant extension of my loan by no fault of my own. 

The incentive structure is extremely problematic here. Through income-driven repayment >90 % of my payment goes to interest, with the last small fraction going to a very large loan, so they are obviously incentivized to keep my loan going as long as possible. Even if I get frustrated and pull out to pay it all down after refinancing, they still get all of their money. This has been such a chronic and common issue that I can only think they institutionalize some degree of incompetence and/or commitment to these anti-borrower and frankly misanthropic incentives in order to maximize their gains at the expense of students, especially with so few servicers who all seem to be terrible to borrowers. 

This has to change. I hope State and Federal authorities can assist in applying pressure on XXXX and other servicers to remember their borrowers are people who needed and appreciate their help to pay for education, and not to mistreat the vast majority of us who are following The Rules but are still being bilked.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc. (FL)

End of XX/XX/XXXX Consumer Portfolio Services who are registered in Nevada, but operate out of California extended me an auto loan through a car dealership in Florida. I signed loan paperwork on XX/XX/XXXX and drove off with my vehicle thinking I had secured basic transportation for my family and I. 

A few days after I sign paperwork that says I have a car loan the dealership calls and says the bank wants more information. They need canceled check from my direct deposit. I send them what I was forwarded by the accounting department of the company. Another week or so passes by and the dealership calls and says the bank still isn't satisfied, they want bank statements. 
I sent those and a week or so later the dealership calls and says the bank isn't going to finance the loan at all because I took to long and they think I'm a fraud, which is very ironic. 

So many violations have been made throughout this buying process. I will point out the Trustee from Consumer Portfolio Services signed off on a report just two months ago saying they would not break laws. I have paperwork that says I have a loan and them backing out is fraudulent. Requesting all the extra personal information after signing paperwork is a violation of the Privacy Act of 1974. 16CFR 433.2 states preservation of Consumer claims. 17CFR424 states that they will not commit language fraud. They are also operating out of a state other than the one they incorporated in. 16CFR 444.1 states that my signature is the security for my car loan. There should not be any reason for them to take me through so much when I am already going through it in life. 

I lost love ones to XXXX XXXX during this whole process and have been stressed to the max with the shady tactics of Consumer Portfolio. Services. This has caused mental stress and anguish. I do not want another Consumer to go through this during the buying process.

Purchasing a car should be a simple process, but these fraudulent law breaking techniques make it a nightmare for so many including myself.
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My wife and I escrow our mortgage, however our mortgage company Flagstar Bank has not been paying our property taxes correctly. They paid less than the amount owed in XXXX and paid it late, and are on track to also pay our XXXX taxes late and for less than the amount owed. Our escrow account has always been overfunded, so the cash to pay the full tax bill was available both years. I had called the mortgage company a while back to ask about a notice I received stating that I had a lien on my home due to unpaid taxes. Flagstar assured me that the account was current and would be paid on time, so I believed it to be true and did not follow-up further.

I recently started getting notices about unpaid taxes on our home, which is when I discovered that Flagstar had not been paying our taxes appropriately. I have reached out to the mortgage company to correct the issue, but wanted to report this nonetheless since I should not have to continue to take time away from work to address their incompetence. 

I am an XXXX XXXX XXXX for a XXXX XXXX XXXX doing XXXX in the mortgage audit space  and it appears to me that Flagstar or their sub-servicer has some significant gaps in their internal control processes. I'm happy to speak further about this if needed.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I want my credit report unfroze so that I can get two credit cards. XXXX is for XXXX, the other for XXXX. Equifax was impossible to deal with. Primarily, the women on the phones accent is terrible and not understandable. Equifax can continue to freeze once I get the credit approved. 

Resolution : give my credit scores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4digits of my SS card. XXXX
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MA)

On XX/XX/20 a " collection '' was placed on my XXXX  credit report by an anonymous company just listed as " collection '' without any information other than a phone number. 

( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ) After calling the number listed, the operator informed me the call was recorded and an attempt to collect a debt. I asked the caller to operator to verify the company information, and the original creditor, XXXX XXXX. I informed the operator I had not had an account with them in over two years, and would be disputing the debt. I informed the debt collector that I would call XXXX XXXX to dispute the charges as well. 

The debt collector attempted to gain additional information regarding my contacts, and informed me that contacting the original creditor to verify and dispute the debt was not an option as they would only 'send me back to the collector. '' I verified my address and telephone information was correct, and informed them I had never received a notice in writing, informing me of my right to verify or dispute the debt. 

I contacted XXXX XXXX to dispute the original charges, as I was not a resident at the location on the dates in question. XXXX XXXX informed me the charges, which are over 2 years old, would remain on my report despite the dispute, and incorrect dates and charges. XXXX XXXX confirmed my contact information as well, and never took steps to notify me of the debt prior to initiating collection activities. 

XXXX XXXX, and this Collection Company, are in violation of fair debt collection practices.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (CA)

CITI CARDS CBNA  has left a Hard inquiry on my account for the past year. I have tried on multiple different occasions to contact them, they have fail to give me proper documentation of the original document where I gave them permission to pull my credit or place this on my report. Please assist me on getting this miner mark removed from my report.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (NV)

Recently Nevada unemployment changed their prepaid debit card provider to way2go card provided by XXXX XXXX and I've had nothing but problems with it.

1. They state that you can withdrawal from any XXXX or XXXX ATM fee free but several ATMS I've tried on their list all say I'll be charged by both the ATM and way2go.

2. It says that you can get cash back at the store also fee free but it either doesn't give you that option when checking out or they charge you to get cash back.

3. You can't pay any legitimate bills with this card even though there's sufficient funds to cover what I'm paying. I've tried paying for my car payment and a loan payment I have but it won't take this card.

4. You can't get through to anyone when you call the numbers provided. I've called several times and each time I'm on hold for hours and no one ever answers. I have no idea why Nevada chose to go with this prepaid card instead of allowing direct deposit like every other state.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NH)

In XXXX of XXXX, I applied to my Chase XXXX holder # XXXX for a Partial Release of Land. account # XXXX. After poor customer service along with being threatened that Chase could pull my mortgage. I had no other alternative but to seek refinancing from another bank. At that time I paid a {$300.00} application fee along with paying a surveyor to write a written description and a {$500.00} fee for an appraisal. ( that was not conducted ). 
I have since then made numerous complaints with no satisfaction. Until one day I received a voice mail from XXXX XXXX, Executive Office Senior Specialist from Chase. 
Phone # XXXX ext. XXXX. This voice mail was received on XX/XX/XXXX, from XXXX informing me " within 10 days I will receive a refund check from Chase for the amount of {$500.00} for the appraisal that did not happen. She also was somewhat snippy informing me I refinanced. AS of this date XX/XX/XXXX, I have not received the refund of {$500.00}. I have attempted to alll her regarding status and she does not return my calls.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

The company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (FL)

This collection with Online Services for XXXX XXXX / XXXX was paid directly to XXXX on XX/XX/19. XXXX stated that they would request that the collection be retracted from Online Services but Online Services is stating they will only report the debt as paid. Per the FCRA, Online Services does not have a valid collection as the original creditor recived direct payment. They are required to remove the debt from my credit.
Consumer complaint received 2019-03-15
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: Bread Financial Holdings, Inc. (AL)

XXXX XXXX  XXXX XXXX- ( account number on my report shows : XXXX ) is reporting an account on my credit report. I just noticed it 2 years ago when I had my credit pulled recently. I have never received anything from this company nor did I ever apply for this card. 
I am XXXX years old and a widow and I NEVER go to these types of stores and haven't since I was in my XXXX.. What would I need a store like this for? I can barely walk let alone go shop for underwear. 
When I was in a XXXX in XXXX of 2014 I had my identity stolen and several accounts opened under me. I have a police report and even went to court regarding the theft of my identity. 
I don't know why someone would do this to me. My husband worked at the XXXX and XXXX XXXX and he past away, I don't have any kids or family and I am stuck fighting this stuff that is absolutely not mine. Please help me
Consumer complaint received 2023-01-03
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. (MS)

This company has failed to comply with the Fair Debt Collection Practices Act. I have repeatedly disputed this debt. I have requested copies of the contract, payment history, and all financial statements related to this debt but XXXX has ignored these requests and so has Experian credit reporting agency. I sent a certified/notarized letter and they were received according to the tracking from the certified mail. Experian has lied about not receiving letters that I have proof that they received sooner than they claim to have received them. They have delayed and updated a fraudulent account. This was deleted by XXXX but Experian states they dont have to require documentation from the creditor. I repeatedly asked how they can verify this debt belongs to me if they dont require documentation? I was never given a straight answer. It is my understanding that the debtor has 30 days to comply and submit documentation. So if they dont require documentation, how can they leave this on my credit report? I have yet to receive the requested documents from XXXX XXXX XXXX and Experian is apparently making their own rules up. This debt should have been removed from my credit by XX/XX/XXXX but yet it continues to plague my credit. I have disputed thIs repeatedly since it was put on my credit but to no avail. There is no consistency in these fraudulent reporting practices. It is obvious that there are many inconsistencies that prove theres a problem but Experian has ignored these issues and continued to up hold this fraudulent account. I would sincerely appreciate the CFPB looking into this matter for me. I believe it could be a form of racism because I have repeatedly submitted the required documentation and nothing has been done about this fraudulent debt that was supposedly opened back in XXXX but there was no reporting of this debt until XXXX where it was dropped onto my credit and immediately went into a XXXX plus late status destroying my credit score. This is clearly incorrect and experian refuses to fix it. XXXX has failed to comply with my request as well. I have yet to receive the requested documentation. You can reach me at XXXX. I have attached the certified/notarized letter and certified receipt for Experian located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your time and attention to this matter. Have a blessed and prosperous new year. 

Sincerely XXXX XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Before my money was unauthorized wired to someone. They had canceled another card without informing me that there were suspicious activities and would send another card. I had to call them and ask why my card was closed. So while they sent me a new card they have stated that I could use apple pay for the new card. I did use apple pay while waiting for my new card to come in and on XX/XX/XXXX a week later two unauthorized transaction of XXXX dollars equaling to XXXX dollars was taken from my account. I called 30 minutes explained the situation told them I haven't even received the card and how could they steal the money. They said they would investigate, close the card and send a new one and its been denied saying I did authorize those transactions. I still haven't received any new card its been 3 weeks
Consumer complaint received 2022-06-27
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. (KS)

In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXX XXXX  XXXX # XXXXXXXX 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 XXXXXXXX 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 2018-12-09
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 am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX