davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CELTIC BANK/CONTFINCO, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that CELTIC BANK/CONTFINCO has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to CELTIC BANK/CONTFINCO to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that CELTIC BANK/CONTFINCO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting CELTIC BANK/CONTFINCO to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2024-10-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

My student loans were forgiven due to a total and permanent XXXX from the military in XX/XX/year>. In XXXX, my loans were transferred from Mohela to XXXX and the process was restarted. Mohela has not reported that my loans were closed on their end and is still showing I owe my entire set of student loans on an active account. I have submitted documents showing that this is wrong, and the credit bureaus say they reached out to Mohela and they are saying its correct. Mohela and I have talked and it is very clear that my accounts are closed and XXXX balance on their side.
Consumer complaint received 2018-12-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have repeatedly tried to submit online disputes regarding my Equifax personal credit report. Each time, while making online disputes, Equifax suffers a " technical error '' and shuts my online dispute down. This has happened several times. I tried contacting Equifax customer service, but each time I was ignored. The web email dispute system that Equifax offers instead of the online dispute is inadequate because my Equifax credit report does not include the full account numbers for the accounts I am trying to dispute. Without the full account numbers, I can not complete the web email dispute form.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Resurgent Capital Services L.P. (SC)

This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

The charges that were incurred during the time frame of XXXX were at a time when I was in fact covered by a state-funded XXXX program which provides free care and visits to XXXX XXXX XXXX Systems and clinics. However, Alliance One Receivables continues to attempt to collect on these debts that were covered by the State of California 's XXXX program. Alliance One has reported several negative accounts ( more than XXXX ) and marked them as severely late ( 120+ days past due ) when they first and foremost should have never been actionable items to collect upon.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

i have had a walmart card issued by XXXX XXXX for at least five years .its under me and my sons name who is XXXX right now. He set up auto payments on this account for XXXX a month on XXXX the XXXX XXXX   i got a notice from XXXX  XXXX  about a change on my report so i checked it and it showed they closed the account. I then contacted the company to see why the account was closed and was told it was due to innsufficent funds so i then explained to them when his pay goes in so i then asked about the payments and was told they would'nt start until XXXX so i then asked them to reopen the account especially since its being paid and they told me they could'nt do that i don ; t think its fair for them to put a blemmish on his report for something they could have told us about before they closed it no notification at all then when i talked to them i was told a notice was sent out should recieve it in mail have'nt received anything as of yet totaly upset.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I received statement notices from a hospital that i received patient care from, with the attending Dr 's and Dr Assistant statement reading that I owed them. They already had my Medical insurance info on file, and corresponded with me to collect money for their services. Then they reported to a collection agency without filing the claim with my insurance first. I have been so overwhelmed by this type of derogatory medical mark on my credit information. I have been depressed over this issue for awhile, and did n't know that I was the one who was n't at fault for them inadvertently making the mistake. I contacted my insurance carrier, and was advised that the hospital was n't supposed to correspond with me first, let alone have it submitted to a collection agency, that sent multiple corresponding letters. After I told them that the hospital was at fault for coming after me before contacting my insurance carrier, and then sicking a credit agency on me. Is there anything that can be done to compensate me from the agony, stress and harassment that I received?
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I received a letter in XX/XX/XXXX from ERC dated XX/XX/XXXX seeking to recover a debt of {$800.00} on behalf of XXXX XXXX. The letter identified me as the debtor, but it was sent to a business XXXX XXXX that I do not receive personal mail at, nor which I use for personal billing purposes. On XX/XX/XXXX I responded with a certified letter demanding that ERC verify the debt. On XX/XX/XXXX, I received the " verification '' which appeared to be a service contract dated XX/XX/XXXX for a person with the same first and last name, but for service at a location in another state over 1,000 miles from my home. I've lived in my house over 15 years and I've worked very hard to achieve perfect credit. I don't know how to get these folks to stop trying to collect a debt that clearly isn't mine and I'm worried that it's going to show up on my credit report, hurt my score, or result in some sort of legal action.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (OH)

I have a a unverified account from Credit Collection Services. I had previously disputed this account. I have never done business with Credit Collection Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Credit Collection Services purport I owe. I request that Credit Collection Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Credit Collection Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

Dear CFPB Staff, Incompetence on behalf of Chase JP Morgan 's phone staff has caused our family almost {$150.00} in losses over fraud. 

I just got off the phone with a supervisor supposedly named " XXXX '' text Chase 's claims department. 

Yesterday we had faxed the requested evidence proving fraud on a claim for the amount of {$140.00}. We have been assured our funds would be returned to us once the paperwork has been faxed in. 

However the supervisor today refused to do so and claimed she could no longer reopen the case. 


This was all due to their phone staff initially failing to take down what I said correctly andand code selecting errors when opening our case!
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IL)

XXXX  has been non-compliant with removing the unverified account SYNCB/XXXX  XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as XXXX XXXX.
Consumer complaint received 2018-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CT)

I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX  with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX  and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX  parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX Of last year we called Mr. Cooper they made arrangements for us to pay 6 reduced payments. We had been displaced from the huricain and our property was flooded. They said that if we made all 6 monthly payments then at the end they would modify the loan. We could go back to paying around what we had been paying before the huricain. After the 6 months we contacted them and they said we were waiting on the underwriters to finish the paperwork. This went on for months. I called many times to try to get a time or date that the papers were coming. I was told they would be in the mail and to expect a XXXX  package and to return as soon as possible. Never got them. I would call to see when they were sent and XXXX would say the underwriters were not done yet, any day now. Finally I called and he said that to much time passed and I needed to file another disaster modification. I told them that I felt it was wrong, wouldn't do it. They wanted me to file to see if I could take the loan with my credit. I told them that XXXX XXXX denied me already when my dad first passed away in XX/XX/2017. My credit is bad and if I ever did get approved through my credit that the a.p.r. wpuld be much higher than my dad had. My dad left everything to me and I did everything they asked. Now they are saying that my payments are late. They said not to make any payments untill the modification was done and now bc of this we are not compliant. They say that all the phone conversations are recorded but refused to send me a copy of them.
Consumer complaint received 2018-11-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant & Weber (CA)

I call the 800 number on the collection notice to attempt to make a payment, the number for not work. I say ok I will pay it online I attempt theyre website to make a payment online, and their server is down. I have no way to make a payment on the account but they continue to charge interest on the past due amount and reporting negative to credit beuro. How is it legal to charge interest on an account that is no accessible to make a payment on.
Consumer complaint received 2018-10-17
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: Credit Plus Inc (AL)

Unknown For Profit Corporation Credit Plus Date of Inquiry : XX/XX/2017 Reason : this inquiry was made without my knowledge or consent and I disputed, and requested to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. They have ignored several request to  provide supporting documentation. I tried calling to get a response, but was told it was requested by myself via XXXX XXXX which I have never heard of. 


I contacted Credit Plus and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete To my knowledge, I have not signed any documents authorizing Credit Plus or XXXX XXXX to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If they are in possession of any document that believe I authorizes their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they will agree that verifying my information is in their best interest. Finally, assuming they do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Credit Plus also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (TX)

I had previously filed a CFPB complaint on American Education Services of XXXX, PA concerning the incorrect report of past-due or delinquent payments on my daughter 's student loan account with them, for which I am the co-signer. 

The issue in question involved AES 's inappropriate payment application of payments I made from XX/XX/XXXX to XX/XX/XXXX to my daughter 's student loan account when they should have been posted to my co-signer account. At the time I made the payments, I didn't know ( nor was I informed by AES ) that I had a co-signer account number different from my daughter 's number. 

After my first CFPB complaint, I received a letter of dispute findings from the Office of Consumer Advocacy at  Pennsylvania Higher Education Assistance Agency ( PHEAA ) dated XX/XX/XXXX. PHEAA conducts student loan servicing operations through differently named companies, one of which is AES. A copy of this letter fro

m PHEAA has been uploaded. PHEAA, in
their XX/XX/XXXX letter to me, seemed to indicate to me that AES had corrected the application of the payments I had questioned and actually indicated that my account was now in a paid-ahead status until XX/XX/XXXX. PHEAA also noted that AES had submitted updated information to the consumer reporting agencies to which the negative information had previously been reported. That was great news as it was exactly what I hoped to hear. 

Nonetheless, in a different letter dated XX/XX/XXXX, AES informed me that they had researched the relevant account history and documentation of my credit dispute and concluded that the negative information they reported was accurate. This XX/XX/XXXX AES letter totally contradicted the prior XX/XX/XXXX letter from PHEAA. A copy of AES 's XX/XX/XXXX letter has also been uploaded. 

My problem with all this is that I am currently attempting to obtain a mortgage loan on a new house that is under construction. The derogatory remarks made by AES on my credit have lowered my score just enough to put me at a level that increases my quoted interest rate by as much as 50 basis point. Please help!!!!!