davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (IL)

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX reported unauthorized enquiry on my credit report with Equifax on XX/XX/XXXX. 

XXXX XXXX reported unauthorized enquiry on my credit report with Equifax on XX/XX/XXXX
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

I am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX XXXX XXXX Transunion has caused me damage by reporting an account from XXXX XXXX XXXX with inaccurate information. This is strictly for forbidden by the FCRA. The FCRA also states a credit reporting agency must delete any account with information that is inaccurate or they have reason to believe is inaccurate. Transunion claims this account was verified however they are reporting it as an open account when XXXX is reporting it as a closed collections account. How can Transunion have verified this account to be accurate when all credit reporting agencies should be reporting the same information 100 % accurately? I have proof in the included screen shot and will file a civil lawsuit against Transunion for {$1000.00} per FCRA violation in Federal court in the state which I reside.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I am writing to formally lodge a complaint regarding a serious error in the loan discharge process related to my account. I recently received a loan discharge letter dated XX/XX/2023 to my account inbox which states that my loan has been discharged. When talking to a customer service agent about next steps she told me this letter was sent in error and meant for someone else. This erroneous information has caused me significant distress. I have repeatedly been given misleading information which is negatively impacting my loan forgiveness/discharge. 

The incorrect discharge information in the letter has led to unnecessary XXXX and I am deeply concerned about the accuracy of my account information. 

I would appreciate a written explanation for the error and a timeline for when the issue will be resolved. I can provide copies of relevant documentation, including copies of the loan discharge letter sent to me. Should you require any additional information or clarification, please do not hesitate to contact me.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-28
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: ALLY FINANCIAL INC. (CA)

I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/XXXX  : 1. Ally Financial 2. XXXX XXXX XXXX 3 . XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valor Intelligent Processing, LLC (IN)

Ive spoke to 4 employees with the company " Valor Intelligent Services '' asking to speak with superbvisor conceerning their repeated calls yet to no avail. I get lied top and lied to.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

PayPal is allowing people to hack the account. When you dispute the payment, it comes back in favor of the scammer. I disputed a charge from service farouki because its not a charge from my money that was authorized. PayPal came back saying I paid for the service and the charge is valid. There is no service or merchandise, just somebody hacking accounts and taking money from them.
Consumer complaint received 2024-10-27
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: DISCOVER BANK (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

On XX/XX/year> my mortgage payment {$1100.00} processed thru the bank in which made the account in the negative briefly, we deposited the money in the account on the same day including the money was taken out of my account the next day. Also we called in on XX/XX/year> and spoke to an agent that assured that the {$36.00} would be given back and processed after the holiday weekend which never happened. PNC Bank has been doing this often and regularly I have all the proof to show it and to back up my claims. You can clearly see in my past complaints
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/year>, Mohela sent a confirmation about autopay on my loans in the monthly amount of {$510.00}. This email was to confirm my monthly statement would be paid. 
On XX/XX/year> I was notified by Mohela that my account would transition to a new platform and that I should confirm auto payments. I did so and the account information was correct. 

XX/XX/year> I received an email from Mohela that my payment was not received. However, I have a bank statement showing the amount of {$510.00} withdrawn by the Dept of Ed on XX/XX/XXXX. 

I issued a digital communication to Mohela and did not hear back. 

The same thing happened again the following month. I again have a bank statement showing the next {$510.00} going out on XX/XX/XXXX. 

I called Mohela after this, and spent an hour on hold. The representative I eventually spoke with told me she could not actually see any past history or any of these payments on my account, or help to correct the problem over the phone. She said she would escalate my concerns to a supervisor if I could upload my bank statements into my Mohela account, which I did. She told me there was no date estimate on when the issue would be corrected and that I would not hear back from Mohela. Eventually, she said, I would just see the past due amounts drop off. 

Mohela claims that I am now delinquent on my account in the amount {$1000.00}. 

Today ( XX/XX/XXXX ), my autopay again posted the amount of {$510.00}. I received confirmation over the phone that this is processing, but not the email communication the representative said I should have received. I have requested a paper copy of this payment to be sent to me. 

The representative I spoke with today spoke to a supervisor and reported to me that Mohela 's accounting department is still looking into the lost funds on my account. 
She said there is a high volume of similar cases occurring since the change to the new platform, and that the accounting department is very busy. There is still no timeline available for when this error will be fixed. I agreed to a temporary forbearance today to prevent my account being sent to collections. I will owe interest on my full account balance - including the funds already paid. 

I am concerned that this money has been mishandled, lost or that there is some other reason Mohela can't provide me with a receipt that matches their autopay confirmation emails or my own bank statements.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery has reported false information on my credit reports at XXXX and XXXX ( and perhaps elsewhere ). See attachments as proof. Portfolio Recovery states that it is the " original creditor '' on certain alleged debts. However, I have never incurred any debt with Portfolio Recovery, and I have never transacted any business whatsoever with them. Therefore, they can not be an " original creditor '' of mine. I believe this is an attempt to re-age the alleged debts so that they remain on my credit reports longer than is permitted by the Fair Credit Reporting Act.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Heres a more assertive version with stronger legal language : -- - NOTICE OF DISPUTE AND DEMAND FOR VALIDATION Dear Portfolio Recovery This letter serves as a formal dispute of the alleged debt referenced above, and a demand for strict validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Take notice that I dispute the entirety of the alleged debt, including any interest, fees, or penalties you may claim. Pursuant to 15 U.S.C. 1692g ( b ), you are required to suspend all collection efforts until proper validation is provided. I hereby demand that you furnish the following documentation : 1. A copy of the original signed application or contract that created the alleged obligation with the original creditor.

2. All monthly statements and the complete payment history since the accounts inception with the original creditor, showing all charges, credits, and interest calculations.

3. Proof of the transfer of ownership or assignment from the original creditor to your agency, including all relevant agreements.

4. A full accounting of the amount you are demanding, including a breakdown of principal, interest, fees, and penalties, and how these were calculated.

Mere itemization or an unsupported summary is not sufficient evidence of the debts validity. This account does not constitute an open account, and I require clear documentation of any contractual obligation. If you fail to provide the above within 30 days, I will consider this matter closed and demand that you cease all collection activities immediately.

Additionally, be advised of the following : Any attempt to report this debt to the credit reporting agencies without proper validation will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, for which you may be held liable.

Continued collection efforts without providing sufficient validation will be viewed as harassment under 15 U.S.C. 1692d and will be reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office.

I am prepared to pursue all available legal remedies, including filing a lawsuit against your organization for statutory damages, legal fees, and other costs under 15 U.S.C. 1692k if you continue to engage in unlawful collection practices.

You are hereby notified to communicate with me only in writing at the above address. I will consider any further calls or attempts to contact me through other means a violation of the FDCPA and take legal action accordingly.

This is my final notice to resolve this matter lawfully. Failure to comply with this request will result in formal complaints filed with the appropriate regulatory bodies and possible legal action. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

My monthly student loan for XXXX XXXX XXXX is {$330.00}. I was chargedtwice in XXXX XX/XX/year> {$330.00} and XXXX {$330.00}. For XXXX I was charged {$250.00} XXXX and {$330.00} XX/XX/year>. I have alreadypaid {$330.00} for XXXX XXXX but they are likely going to double charge me again. 
The total amount due for XXXX and XXXX was {$670.00}. I was charged {$1200.00} for this period. I was overcharged {$590.00} which should be immediately refunded to my checking account. 

When I called they said they had no record of any payments but were showing no balance due despite me receiving multiple no payment received emails.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear CFPB, I am writing to file a formal complaint regarding a dispute with Bank of America involving an unauthorized withdrawal of {$800.00} from my debit account. I believe I have been treated unfairly in this matter, and I am seeking assistance from the CFPB to help resolve this issue. 

On XX/XX/XXXX, I discovered that {$800.00} had been withdrawn from my Bank of America account at an ATM in a different state. I did not authorize this withdrawal, nor was I in the state where the transaction occurred. Upon realizing this, I immediately reported the fraudulent transaction to Bank of America. In response, they placed a provisional credit of {$800.00} in my account while they conducted their investigation. 

However, to my dismay, Bank of America later reversed the provisional credit and concluded that the withdrawal was legitimate, implying that I had made the transaction myself. I have no idea how this could have happened, as I did not authorize the transaction, nor did I ever withdraw this money. Furthermore, Bank of America has not provided any substantial evidence, such as ATM footage or transaction records, to support their decision. 

Despite my many attempts to resolve the issue with Bank of America, they have refused to reconsider their position, and I am now left without the {$800.00} that was stolen from me. This situation has caused me significant financial stress, and I am requesting your assistance in investigating this matter further. 

Please find attached copies of relevant documents, including my communications with Bank of America, the transaction details, and any other supporting information. I would appreciate your help in ensuring that Bank of America provides a fair resolution and returns the {$800.00} that was unlawfully taken from my account. 

Thank you for your time and consideration. I look forward to your response and any assistance you can provide in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CT)

When my lease dated XX/XX/XXXX - XX/XX/XXXX ended I was charged " mandatory cleaning fees '' on moving out of my apartment at XXXX XXXX XXXX XXXX in XXXX AZ. I reviewed my lease and did not see any mandatory charges listed in the document. I asked the property manager to explain the charges and they produced an additional sheet of fees which was signed but with an older lease dated XX/XX/XXXX- XX/XX/XXXX. I asked them to produce this sheet with dates corresponding to the current lease of XX/XX/XXXX- XX/XX/XXXX and they were unable to produce the document. The property management said it did not matter, they would charge the fees anyways and that they did not need anything signed with the correct dates to charge these mandatory fees. They stated, " the value is too small, you won't take us to court over it. '' This is fraud, companies do not get to charge fees not agreed upon in an active lease. They have been unable to produce the correctly dated document for my last lease. 

Eventually the property manager sent the amount to collections and the collections company COLUMBIA DEBT RECOVERY LLC DBA GENESIS keeps " verifying '' that the debt is correct by supplying the last lease XX/XX/XXXX - XX/XX/XXXX which does not include the mandatory fees being charged. They are joining XXXX XXXX XXXX XXXX in committing fraud. They do not respond to communication explaining the situation.

I have included the sheet with the mandatory cleaning fees listed ( that I was charged on move out ) that is dated to match an older lease and some email communication with the property manager. Subsequent communication was over the phone, no document with correct dates was ever produced by XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TN)

I keep receiving notification from radius global solutions regarding an old XXXX XXXX XXXX account with incorrect amount dues. The amount requested is {$2300.00} for account number XXXX which is incorrect. According, to 15 US Code 1692c ( c ) " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication ''.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : PORTFOLIO RECOVERY ASSOCIATE 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Please sent proof of Assignment Contract.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report.

I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this depth. 



Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX