davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have tried to get back on a hardship plan that had me on and have pain around {$1000.00} and have told them to put that towards the cash advances I did which were never done causing me to get charged an interest fee for it which all I ever pulled out was {$800.00} dollars worth which by me tell them to put in toward the cash advance I should be in the high {$4000.00} range but I still keep getting the max out even though I cut the credit card up so no more transaction will come out. They will not work with me on lowering my interest rate. I am struggling to pay the minimum payment with is almost {$800.00} dollars a month by them rasing so high i might have to file bankruptcy just because of on greedy credit card company.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report.
Consumer complaint received 2022-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I received this message : IMPORTANT UPDATE : On XX/XX/XXXX, the Department of Education announced a change to the Public Service Loan Forgiveness ( PSLF ) program rules that, for a limited time, may allow you to get credit for payments youve made on loans that wouldnt normally qualify for PSLF. This waiver period is temporary and will end on XX/XX/XXXX. To gain more information on this limited waiver period, including any actions you may need to take to gain access to these benefits, visit StudentAid.gov/pslfwaiver. 

I started contacting Fedloan servicing regarding my student loans. I had contacted them the previous year regarding payments made that I received no credit for between the years of XXXX and XXXX. I had worked for XXXX XXXX XXXX 5 years at that time. I was in school until XXXX but did not receive any credit for that time at all. The update from the department of Education required them to review my account and provide credit for the time I was not in school. This was the time I received the teacher forgiveness loan as well. I have contacted them at least 3 times and I have continued to receive inaccurate information on my account. I taught 9 years at XXXX XXXX XXXX and 13 months at XXXX XXXX XXXX school. I only received 5 months credit at that school. I am back with XXXX XXXX XXXX and I have not re-certified this year. My estimated eligibility date to cancel student loans have continued to change from XXXX letter to the next. I need someone to explain where are the missing credits, why the dates have changed, what documents are they missing, and how to fix this problem. I know they are not going to be the provider after this year, but they need to fix the problem before they hand my information over to another company.
Consumer complaint received 2022-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XXXX XX/XX/2022, I made a purchase for a sweater for {$68.00} plus a fee of {$3.00} ( total {$72.00} ) through a website that I later discovered was a fraudulent website. Within minutes I notified Paypal and tried to cancel the transaction, but the funds transferred immediately. I filed a claim with Paypal but they stated there is nothing they could do because the funds were transferred as personal funds transfer and not a goods or services purchase. My complaint is Paypal is allowing one of their customers to prey upon other Palpal customers to commit fraud. In just a few hours of research, we were able to determine this individual has multiple websites that all look identical but use different names. All of the posted " contact '' information is fake, mulitple attempts to contact the points of contact on any of the websites are returned as " email invalid ''. The contact information for this seller through PayPal is also fake and returns the same " email invalid '' results. Paypal accepts no responsibility for the fraud and theft that is being conducted through their service.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-08-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX XXXX to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED PORTFOLIO RECOVERY ASSOCIATES LLC LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind PORTFOLIO RECOVERY ASSOCIATES of the laws and protections for American citizens like myself. XXXX not going to pay XXXX debts that ARE NOT MINE. 

Maybe PORTFOLIO RECOVERY associates dont understand rules? 


ACCOUNTS IN QUESTION ARE XXXX COLLECTION accounts Owned by Portfolio bought from XXXX XXXX is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Beginning of this month, someone opened a credit card ( last XXXX # : XXXX ) through my bank, BOA under my old last name ( XXXX ) & had sent to my old address. Filed a report with BOA fraud department.
Consumer complaint received 2022-08-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (VA)

This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a ups tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

This company has absolutely no buyer protection. I have not received proper items for two charges on my card and Discover is considering these charges valid. If it happened once, I could understand but multiple charges that are being considered valid regardless if I received them or not Discover charges the consumer.
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC (TX)

A Frustrating Journey with Lennar XXXX XXXX : An Investor 's Nightmare On XX/XX/XXXX, my journey began with high hopes as I visited Lennar XXXX XXXX in XXXX, TX, alongside my realtor, XXXX XXXX, to explore their investor-eligible properties. I selected a promising four-bedroom home at XXXX XXXX XXXX XXXX only to embark on a convoluted and stressful process riddled with miscommunication, shifting terms, and unmet promises. 

From the outset, Lennar 's strict policy to use their preferred mortgage lender, Lennar Mortgage, presented hurdles. Although I provided all the requested documents promptly, and assurances were given that my loan was preapproved, red flags appeared when clarity on closing costs and loan approvals remained elusive. Urged to send a {$10000.00} earnest money deposit under tight deadlines and with vague guarantees, I complied, trusting the assurances of the Lennar new home consultant.

Despite initial optimism, issues cascaded rapidly. A change in my employmentopenly disclosed to XXXX XXXX, Lennar 's loan officerdisqualified me from the original loan. Subsequent attempts to secure financing through other preferred lenders, such as XXXX XXXX XXXX and XXXX XXXX Mortgage, proved equally futile due to Lennar 's misrepresented rental income estimates. Each step involved additional costs, including credit checks and inspection fees, yet failed to yield a viable solution. 

What began as an investment opportunity spiraled into a logistical nightmare. Despite my willingness to adapt and even consider alternative properties, Lennars management and their partners inability to resolve appraisal discrepancies left me stranded. Promises to refund or transfer the earnest money evaporated, with Lennar citing inflexible policies despite the clear issues originating from their appraised rental comps.

This process has left me frustrated and questioning Lennars ethics. My earnest money remains unreturned despite my adherence to every requirement, while the apparent gaps in Lennar Mortgages approval processes and restrictive lender policies have made this experience untenable. Filing a formal complaint with the CFPB seems like my only remaining recourse to seek justice.

Lennars reputation and commitment to customer service are severely undermined by their handling of this situation. A process meant to secure a dream home turned into a disheartening ordealone I hope no other buyer has to endure *Please refer to the attached five-page document for detailed information regarding the parties involved, conversations, processes, and corresponding dates and times.
Consumer complaint received 2023-06-19
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (IL)

Please reference CFPB complaint IDs XXXX ( XXXX  ) and XXXX ( XXXX  ) as this is a follow up to the same issue. 

From previous complaint : On XX/XX/XXXX, I scheduled a phone appointment with XXXX XXXX XXXX of XXXX XXXX  XXXX XXXX. I talked to him at XXXX at the scheduled time and informed him of my symptoms. He told me he was unable to assist until I performed a XXXX XXXX and XXXX XXXX and that he would send the referral. I waited for the referral but nothing was sent over. Due to the urgency of the situation, I visited another doctor who handled the situation more promptly which led to the resolution of the medical issue. Later when I received the medical bill from XXXX, I called them to dispute the amount and file a complaint as I did not receive any medical care. I did so multiple times and XXXX consistently never responded. Finally in the latest communication, I spoke to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and described to her the issue. She told me she understood my concern and would investigate further internally before providing me with a response. I ultimately received no response from XXXX XXXX in writing or a phone call. Finally I received this collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

The previous complaint was closed with XXXX closing the file and XXXX XXXX still not responding. 

Recently, I received another debt collection notice from Frost-Arnett Company dated XX/XX/XXXX for the same amount. I still have not received anything from XXXX XXXX  XXXX XXXX.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

I am writing to formally dispute inaccurate information on my credit report. This entry is incorrect and does not align with the Fair Credit Reporting Act ( FCRA ) guidelines. I request that you investigate this matter and delete the disputed item from my credit file. 

Account in Dispute : Creditor Name : MoneyLion Inc . 
Account Number : [ Insert Account Number ] Reason for Dispute : The reporting of this account differs significantly between your report and another bureaus report. Specifically : XXXX : Reports late payments ( 90 and 60 days past due ) and delinquency. 
XXXX : Indicates only one late payment ( 30 days ) and that the account is paid and closed.

The inconsistencies demonstrate that the information being reported is inaccurate. Under Section 611 of the FCRA, consumers have the right to dispute incomplete or inaccurate information. 

Please find enclosed copies of the following documents to assist with your investigation : A copy of my credit report from XXXX showing the inaccurate item. 
A copy of my credit report from XXXX with conflicting information. 

I request that you conduct a thorough investigation and provide me with a written confirmation of your findings., I kindly request its deletion from my report. 

Thank you for your time and attention. I look forward to your response within 30 days, as required by the FCRA.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I was approved for the Homeowners Assistance Program on XX/XX/2022. When my XX/XX/XXXX payment became due with Freedom Mortgage I waited to see if the HAF funds would hit. On XX/XX/XXXX I finally scheduled a same day payment so that I would not be reported to the credit bureau. I have never been 30 days past due on this mortgage. When I scheduled my payment I noticed two payments had already been applied on XX/XX/XXXX covering XXXX and XXXX payments and it now showed I was not due until XX/XX/XXXX. I called Freedom Mortgage and she confirmed HAF funds were sent on XX/XX/XXXX and applied to my account on XX/XX/XXXX. I was advised it was ok to reverse my own payment that now appeared as a principal only payment since the HAF funds came through. So I did reverse my payment on XX/XX/XXXX. It updated with the principal payment being removed and I still showed due XX/XX/XXXX. A few days later I get a call that my XXXX payment is due. I look and see Freedom Mortgage reversed ALL payments made. I called and they said they reversed those HAF payments until they get further instructions from their loss mitigation department. This has now caused me to be reported late on the credit bureau and ruined my credit. They are also still holding all the HAF funds and have not applied them to my account in the amount of {$4800.00}. The awards letter is clear that this amount goes towards any past due and if I am not past due, apply to principal. My main concern is being reported to the credit bureau. I never would of reversed my own payment that I made in time to be covered from negative credit reporting had I known they would go back and reverse payments they made days earlier. I did submit a credit bureau dispute with freedom mortgage which there are no guarantees it will be approved. Ive also called numerous times about the extra money sitting in my account but not applied and am told there is nothing anyone can do. We have to wait. These funds are to help homeowners avoid being late. The last thing we should be doing is holding the payments.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Dear Self XXXX, XXXX, and XXXX, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of 2024 on my Self Lender savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement. 

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from XXXX XXXX and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (CA)

On XX/XX/2024, a charge was made from XXXX in the amount of {$920.00} via my US Bank Debit Card. This payment was made without my authorization and was ran automatically without my consent. On XX/XX/2024, I contacted XXXX to set up an extension on payments and the payment to run on XX/XX/2024, the amount was for {$400.00}. When the charge for {$920.00} happened on XX/XX/2024 I immediately called my bank " US Bank '' to dispute the charge. I was advised it needed to be processed as a fraud transaction, they cancelled my existing card, and provided a provisional credit 1 week later. The provisional credit is temporary until they complete their investigation. During this time I was also disputing it with XXXX, they even refunded me my overdraft fees because they knew my payment should not have ran. On XX/XX/2024 I receive a letter from US Bank stating they declined my dispute, but did not provide me with any kind of proof of why the declined it. And on XX/XX/2024 I was charged XXXX back to my account again, sending it into a negative balance. This should have been very cut and dry, I did not authorize a charge, I asked for a refund and they refused. At that point my card was charged without my permission because we had an agreement that the payment would run XX/XX/2024 and for XXXX not XXXX