davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION (WA)

In XX/XX/XXXX, I refinanced my student loans with PenFed Credit Union to a 5 year, adjustable rate loan. I very quickly paid down a large portion of the loan and was a number of months ahead on payments ( PenFed allows customers to skip payments if they are ahead on repayment rather than taking the extra payments off the principal amount ). My monthly statements never actually showed how many months ahead I was, until a change in format with the XX/XX/XXXX statement, which showed my next payment was not due until XX/XX/XXXX. This continued until XX/XX/XXXX, when the statements again changed, now showing my next payment was due that month. I believe what PenFed did was recast or reamortize my loan, effectively negating the months ahead I was on payments and requiring me to make monthly payments again, albeit at a lower amount, all without notifying me. 

I have made inquiries about this issue since XX/XX/XXXX. I was finally told in early XXXX that there was indeed an issue with their system in " forecasting due dates after rate adjustments for variable rate loans. '' My 'next payment ' date was corrected and I was ensured that a detailed explanation would be given to me once the issue had been investigated. In late XXXX, I asked for that explanation and was told that additional information could not be given beyond the detail that a problem was identified and a solution given. I believe PenFed Credit Union has changed their policy/practices regarding the management of adjustable rate loans without notifying its customers, and is now actively preventing me from obtaining information to which, as a customer in good standing, I feel I am entitled.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I was completely shocked when I saw inaccurate accounts on my credit report this morning, and I have no clue why theyre even there. I do my usual checks, but this time, out of nowhere, these discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the wrong accounts stayed. I really need the documents I sent to be reviewed carefully so I never have to go through this nightmare again.
Consumer complaint received 2024-01-10
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-10
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. (NV)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NJ)

I recently pulled up my credit report and I noticed a couple of inquiries that I don't recognized or approve. I need help remove them of my report they are as following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Dear CFPB Team, I am writing to seek your assistance in resolving a dispute with PayPal regarding a transaction with XXXX XXXX XXXXXXXX. On XX/XX/2023, I filed a dispute with PayPal for a transaction in the amount of {$3800.00}. After initiating the dispute, I was offered a full refund in exchange for returning the item. I duly returned the item, and it was delivered to the address provided by PayPal on XX/XX/2023, with XXXX tracking number XXXX. 

Despite providing numerous pieces of evidence to the PayPal Resolution Center and complying with their requirements, I have not yet received the promised refund. I have also been in communication with a supervisor at PayPal customer service, who assured me that I would receive the refund. However, the refund has not been processed, and the delay in resolving this matter has caused me significant concern. 

I am reaching out to the CFPB in the hope that you can facilitate a timely and fair resolution to this matter. I have worked hard for this money and have made every effort to comply with PayPal 's procedures. I believe that the involvement of an impartial third party is necessary to ensure that I receive the refund that is rightfully mine. 

I kindly request your assistance in reviewing this case and helping to expedite the refund process. Your attention to this matter would be greatly appreciated. 

Thank you for your time and attention. I am hopeful that with your intervention, this issue can be resolved promptly and fairly. 

Sincerely, XXXX XXXX XXXX number : ( XXXX ) XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAB, INC. (LA)

XXXX XXXX from RAB Inc contacted me demanding payment for a loan stating it had been transferred to his company but refused to provide the contractual details on the debt or send anything in writing proving his right to attempt to collect the debt. He also included an erroneous email address in an email communication to me about the debt without my permission.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-01-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Paramount GR Holdings, LLC (MO)

My husband and I were looking into solar power to cut down on our electric bill. We talked in our home with XXXX XXXX representative XXXX XXXX. He presented how solar panels could save us money. Since I had the better credit, we did the contract under my name. Nothing happened for months ; unable to reach XXXX XXXX, so asked for another representative. On XX/XX/2022 my husband passed away. I called XXXX XXXX and told them I needed to cancel the project, as my Husband had passed away. I have XXXX XXXX XXXX, and the stress and heartache of losing my husband in a sudden death, my XXXXXXXX XXXX got much worse, and my XXXX increased my XXXX  and warned against another fall, he would put me in a XXXX rather than my XXXX. So when I called to say I couldn't go through with the project since I didn't have my husband 's income, and I didn't make enough on XXXX social security to pay for the XXXX contract. A representative from GoodLeap, who I'm not sure how they got involved, named XXXX XXXX. I explained that I was unable to go through with the solar project, and nothing had been done towards work on the solar panels, so I needed to get out of the contract. She ( XXXX ) told me " no worries, we can loan you the money to pay off your solar bill ''. I had 100 % equity in my house at the time. She was very pushy about getting a loan to make sure I could afford the solar project ( $ XXXX ) and also get cash out to use for myself. She said don't you want a new car, travel, or buy new clothes? I was in a panic. XXXX XXXX knew I was in a tender condition, and I feel she's a predatory lender, seeking folks to loan money they know they can't pay back, and foreclose on them. I was in no condition to make such decisions.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

NewRez has deposited my 3 checks, but has only given me credit for one of them. I have made all of my payments ON TIME and IN FULL. 

Background : There was a change in my loan servicing company earlier this year, and I sent the payments that were due for XXXX, XXXX, and XX/XX/2023 to NewRez, but accidentally used a closed account number. 

All three checks did however have the address of the property ( XXXX XXXX XXXX, XXXX, CA XXXX ) in the memo field, as well as my name and address. 

My bank statements show all 3 payments were made on time and in full and the checks have been cashed. However, these have NOT been credited to my loan XXXX. 


1. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 2. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 XXXX. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 I discovered the problem when I logged into my online loan portal and realized that they had not been applied to my loan. 

On XX/XX/2023, I went online and started a chat session. I explained the situation and asked for a resolution. I was assured they would fix it. But 7 days later, I received a debt collection phone call ( XXXX ). That caller gave me an email where I could send copies of my bank statements. 

On XXXX, that same day, I emailed to NewRez/Shellpoint copies of three months of bank statements as evidence of the amounts and dates. As of today, I have a very good credit score and I didnt want them to damage it. They did not respond. I continued to get U.S. mail from them claiming I had not paid. 

On XXXX I emailed copies of the front and back of the three checks to the same NewRez email, and got no email confirmation. I continued getting mail saying I hadnt paid. 

On XXXX, I got a secure letter from NewRez, via email, saying they had found one of the payments but had not found the other two. 

On or about XXXX, I received an incorrect 1098 for my loan. The balance and the interest were wrong. My address was also wrong, even though I had updated my address in late XX/XX/2023. I emailed the 1098 back to them on XXXX and indicated the errors, but got no answer. 

They deposited my checks on XX/XX/2023, XX/XX/2023 and XX/XX/2023, but have only credited one of those to my account ( Loan XXXX )
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form NOV 219 26-8937. 

Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. 

We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. 

At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. 

You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. 

Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened a business checking account with Huntington Bank on XX/XX/XXXX. The account was fully opened and all disclosures/ paperwork were signed. I went to make an opening deposit in branch on XX/XX/XXXXXXXX  and was told they could not deposit the funds. They said the account was in the process of closing and gave no further details. The branch manager called the back office and they could not provide information to him either. I opened under a promotion and I qualify according to the fine print. I feel this bank is discriminating as to who they open accounts to and who they don't. Just because they don't want to pay out promotions. Don't run the promos if you don't want people to sign up. Legally I don't think they can deny people for no reason.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

I was advised that I would be receiving money that I paid during Covid and never did. I also was told that I will not have any interest applied to my current student loan. I applied for the income driven save program under President Joe Biden and no interest were to be applied. I have since pay off the loan with the help from my parents. Would like to receive all the interest paid returned back to me, as well as the money pay during covid. Please feel free to contact me if you have any questions. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mercury Technologies, Inc. (CT)

Do not bank with Mercury ( Mercury.com )!!! 

1. Their debit cards do not have fraud protection systems built in. If fraudsters get a hold of it, they can run hundreds of transactions in under an hour and the debit card will let it them go through. I banked with several banks and none of them would normally approve more than 3 transactions going through in a sequence, the card would automatically block further transactions awaiting my confirmation via text, email, or phone call. Not the case with Mercury, on XX/XX/2023 my debit card was hit with over 100 unauthorized fraud transactions in under 45 minutes emptying everything in my checking account, the transactions only stopped because the card was declined due to insufficient funds. 

2. Mercury does not dispute fraud charges on their debit cards, they advised me to take it up with law enforcement after 20 days of back and forth, during which all I got was 4 paltry inadequate replies with a tone of overwhelming disinterest. 

3. They do not have any phone support, communications are restricted to email only and they usually reply once in 5 days. 

I am facing serious consequences because of this and I wholeheartedly recommend that do not bank with these online companies especially when say they are not an actual bank. 

Thank you.
Consumer complaint received 2024-01-09
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: EdFinancial Services (TX)

On XX/XX/2023 I FILED CFPB COMPLAINT AGAINST XXXX  ON XXXX XXXX AND XXXX XXXX XXXX AND CITED In XX/XX/2023 I called Ed Financial Services ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and XXXX requesting validation of the alleged debt. In response, Ed Financial Services sent a letter dated XX/XX/2023, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/2023 I mailed XXXX, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim Ed Financial has continued to verify the debt. Additionally, I am still receiving mailed statements from Ed Financial services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I write this letter with a desperation and rage that anyone in my shoes would experience. I have produced hard proof in the form of an FTC and police report, thus I am completely horrified by your bureau 's surprising and unfair rejection of my identity theft accusations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. 
I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. 
XXXX XXXXXXXX If my pleas for justice continue to fall on deaf ears, let it be known that I am prepared to take drastic measures to protect my rights. I will not hesitate to enlist the aid of legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this ordeal has inflicted upon me.
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.