davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial communication, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ) is incorrect. I request Equifax to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  ) do not belong to me. I request Equifax to remove them from my credit report.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC. (CT)

I am trying to pay down my credit card debt in an effort to purchase a home. I am specifically looking to decrease my credit utilization and am paying off my high-interest credit card debt in order to do so. For the first time in my history with SoFi, I made a payment that was significantly higher than the minimum payment due. The payment was for {$550.00}, which I processed on XX/XX/XXXX. On XX/XX/XXXX, I received an email notification from SoFi that my credit limit would be decreased from {$4500.00} to {$4000.00}, immediately following this payment. This also had not previously occurred in my history with the company. I did not notice the notification right away, and was surprised ( and demoralized ) when I learned that this had occurred, on approximately XX/XX/XXXX. I reached out to SoFi on XX/XX/XXXX and connected with a customer service representative via the chat function. I explained the goals around paying off my debt and my confusion that my credit limit had decreased at exactly the same time that I made this larger payment. They clarified that they had no internal appeals process and could not overturn the decision, and that there was no one that I could speak with about it. I also asked for some assurance that this would not continue to occur if I continued to pay down my past due balance, and the company was unable to offer this assurance to me. They also continued to clarify that there was no one else that I could speak with regarding my concerns. This action has resulted in an increase in my credit utilization, which has negatively impacted my credit report despite my sincere and difficult efforts to do the right thing. It has also exacerbated the problems that they have cited as the reason for dropping my credit limit. It is disappointing and demoralizing.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AK)

Mohela has incorrectly reported to XXXX both in the amount that I owe and the amount of loans disbursed. I have pulled records, the loan update date XX/XX/XXXX, that indicated the Mohela disbursed two loans on XX/XX/XXXX, a XXXX for {$3500.00} and a XXXX at {$3000.00}. On XX/XX/XXXX, Mohela disbursed XXXX for {$3500.00} and XXXX at {$6000.00}. On XX/XX/XXXX, Mohela disbursed XXXX for {$4500.00} and XXXX for {$6000.00}. On XX/XX/XXXX, Mohela disbursed XXXX {$2200.00} and XXXX for {$10000.00}. 

XXXX indicates that when my account transitioned to the new online Mohela platform, Mohela reported to the credit agencies my balance on XX/XX/XXXX. Mohela then reported my loans again, duplicating them, on XX/XX/XXXX. I have attached the notice of loan transition dated XX/XX/XXXX. 

At this time instead of my loans stating the accurate balance of {$37000.00} listed on Department of Education Student Loan portal. Mohela has reported a balance of {$69000.00} nearly double the actual balance. This is fraudulent and an inaccurate reporting of the true loan amount.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am asking the CFPB to address this complaint and do a through investigation of Portfolio Recovery and provide the Monetary Relief that is allowed under the FDCPA and the FCRA. 
Portfolio Recovery reports a Date of Removal to XXXX as XX/XX/XXXX but a different date to XXXX XXXX that is XX/XX/XXXX. 
Also. When disputing with the credit reporting agencies they have ILLEGALLY VERIFIED committing even more VIOLATIONS under both the FDCPA and FCRA. 
Portfolio Recovery has the audacity to send me a reply responding to my request under FCRA 623 ( A ) ( 8 ) ( E ) their letter dated XX/XX/XXXX for the Date of First Delinquency they have on file to prove different removal dates that they continue Illegally ti report differently to the credit reporting agencies that are clear RE-AGING violations. 
( Please See Screenshots Attached ). 
They use in haphazard fashion 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) illegally to avoid submitting the information I request such as the DOFD that they have on file to PROVE the true date this information will be removed from my credit report. 
They bought this account from XXXX XXXX  that was being reported by XXXX XXXX  as well. I disputed with XXXX XXXX  and it is no longer reporting on any of my credit reports. It was removed from all my credit reports after multiple disputes to XXXX. 
XXXX XXXX  was reporting a date of last payment as XX/XX/XXXX and it has been removed from all my credit reports. 
My question is how can Portfolio Recovery continue to report knowing or should know the account has been Re-Aged. 
But somehow Portfolio Recovery continues to report this RE-AGED account with a {$1900.00} Balance. Portfolio Rcovery # XXXX. 
reports DIFFERENTLY Date of Removal dates on XXXX XXXX and blatantly report a different date on XXXX. There is no DOUBT this account has been illegally RE-AGED and I want it removed by Portfolio Recovery because after multiple disputes with XXXX XXXX  they finally are not reporting this account ending in XXXX any longer and I want Portfolio Recovery to do the same. 
Again, I am asking the CFPB to forward me monetary relief after investigating this companies illegal violations under the FDCPA and the FCRA and have them remove this account : Portfolio Recovery # XXXX.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I contacted MOHELA on XX/XX/2024, to request a student loan deferment due to being unemployed for several months now. I was advised that I am not eligible for a deferment but may be eligible for a forbearance. I had to wait until XX/XX/2024, to receive the paperwork because when I try to log in on the MOHELA Federal Student Aid Portal, I receive an error message stating that my MOHELA Account and Date of Birth data records do not match. I do not have access to my MOHELA 's Federal Student Aid Portal, and MOHELA has refused to communicate with me electronically even though I have provided a valid email address to them. MOHELA is failing to comply with the Department of Education and the Federal Student Aid Guidelines regarding granting me access to the MOHELA Online Account. I will also report this to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I did a third party deposit of a check to my fiance, I did not know this was not allowed and even learned how to complete it from the Sofi website. Instead of just rejecting the deposit they have frozen all of my funds in checking and savings leaving me with nothing for 3 days now. When I can they tell me nothing that I have to wait for the internal team to complete their review and I can not speak with them nor can they tell me how long this will take. I have repeatedly asked to speak with a supervisor and one is never available and they will have to call me back. I have yet to receive a call back. They are providing me with no information and no access to any of my money. I have not eaten for 3 days and it is now Friday and the weekend about to begin. All of the funds in this account are mine from previous direct deposits they have already rejected the third party deposit which is fine but not telling me anything regarding my funds or timeframe is just not acceptable. Please help!
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Eastern Revenue, Inc. (KY)

I had a bad debt collection added to my credit report from XXXX XXXX XXXX XXXX placed in collection XX/XX/2024. I live in Kentucky and have not been in school for over 40 years and kids are grown not in school. Reached out to collection agency who referred me to XXXX. They were contacted and just received statement saying information was verified. I reached out to school to try and get information about who was enrolled to see if there was a ID card. Was not able to speak with anyone that could help. This derogatory impact has hurt my credit score and impacted my ability to buy a house. Would like info from school and their verification process
Consumer complaint received 2024-08-08
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX for {$710.00} from XXXX XXXX. Three items are missing from the order XXXX XXXX XXXX in black and purple and seafoam were never shipped. Chase summarily ruled in favor of the merchant in violation of the Fair Credit Act. They never called me and just ruled in favor of merchant. They never even left me a message. All they have is a box that was shipped. Disgusting behavior
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am request the removal of a charge-off auto loan account with Capital One from my credit report ( s ), as this debt has aged beyond the statute of limitations for collections. In addition, I have completed settlement agreements, but the account still remains on my report ( s ).

According to the credit reporting guidelines, this debt is now beyond the statute of limitations for collection in ( Maryland ), which is 3 years.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I submitted a consolidation loan for my federal student loans in XX/XX/year>, which are in Public Student Loan Forgiveness ( PSLF ) and were in the SAVE payment program. I am now supposed to be placed in an Income Driven Repayment ( IDR ) plan and my PSLF payment count should be updated so that all loans show at least XXXX payments. None of this has happened. I have contacted Mohela in XXXX, XXXX, and XXXX of XXXX. Nothing has been done. I have been put on a standard payment plan, which does not count towards PSLF and is close to 6 times the amount I was paying under the SAVE plan. After an hour on hold I was told that Mohela would not put me in forbearance, as required by the Department of Ed. After another hour on hold I was told that a request would be placed to put me in forbearance. I was informed that Mohela is unable to assist me in any way with PSLF, and that I need to contact Federal Student Aid for any assistance with PSLF. I have been in limbo for 4 months.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX I use my card for a few purchases went to use my card to buy me some food cuz I'm at work and I also use public transportation so I need I use my card to pay for the transportation so when I go use my card a decline so I called the company and I asked him why did they declined there was no answer back I also asked them who can I complain to they said that it was nobody to complain to so what they did is they froze the card and they told me that the card is Frozen cuz the system didn't on its own for XXXX hours I explained to them that that's the way I get home and I was trying to buy myself some food cuz I'm hungry the rap did not care at all she said that's how the system is that I should have read the terms and conditions I never knew that a company could just freeze your money and not let you access it at all
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sunset Management, Inc (GA)

When calling references they are leaving voicemails that have too much information. They are mentioning people I brought in for loans, the fact I would drop peoples payment off for them ( not my money ) they have said I havent seen her obituary so things arent that bad they have said she paid so and sos payment on time like she was deathly terrified of them but wont pay hers. Now if I am financially struggling due to the economy and Ive said this to them thats what it needs to be Ive never taken my money to pay someone elses account. They are harassing me and my references and quite frankly have me terrified to even attempt to figure out how to repay my loan. They have disclosed so much information to my references its sickening.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I deposited my tax return paper check for the year of XXXX into my own bank account. 3 days later my account is on hold and I can even use the funds on my account. This is the 3rd time that I have to prove where the funds are coming from and why and this is the 3rd time Im completely shut out of my account. It said us treasury on the check. Its my account so I do not understand. The second time was for a check from a XXXX XXXX  I had. They threatened to close my account and my lawyer for the XXXX XXXX had to call the branch personally. Now they want my XXXX for that year and all I can get is the transcript Im so frustrated because I no longer have access to the email I had filed with. I need my money Ive jumped through hoops and hurdles for my tax return for XXXX and theyre also holding my money that was already on there and Im about to be homeless because of this.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I had auto pay set up for my car payment, I guess it did not go through and I did not realize at first. Once I realized I called in and they could not figure out why it did not work, and could not figure out how I could set up a payment as my bank account that was already added was not showing up and would not let me add it. They then set up an ACH payment and promised it would not be reported to my credit. The XXXX went through, and then a day later came back out and they said it was XXXX days late. I called and they said XXXX denied the payment, I do not have XXXX and I never said I did. I provided my bank accounts account number and routing number. They said it was just a typo but I do not know how that would be a typo, I think they made a mistake. I then made a payment over the phone with my debit card ( which includes a fee which is why I did not do that previously ). When I checked my credit, it is down XXXX points. I asked to speak to someone and they said actually the report it after XXXX days ( they previously told me XXXX days and said they would not put it on my credit since I was trying to make the payment ). They said there is nothing they can do and when I got their XXXX their XXXX said they are submitting a request. They also said they sent me a text letting me know the payment failed, which they did not. They said they sent out a letter though, which take at least a week to get to me so it wouldve been way to late either way. They then said my bank should have let me know the payments were being denied and that I did not have sufficient funds, my bank does not have anything showing that. My bank also has overdraft protection and pulls directly out of my savings if I go over my limit on my checking account. I also have had sufficient funds the entire time.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SOFI TECHNOLOGIES, INC. (CA)

This account is invalid. SOFI BANK, NATIONAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 



SOFI BANK, NATIONAL XXXX
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (OR)

XXXX XXXX  sold my home mortgage to Shellpoint Mortgage Servicing, effective XX/XX/year>. Shellpoint Mortgage Servicing supervision by the FDIC and/or Bank Examiners XXXX Shellpoint Mortgage Servicing failed to set up new mortgage records and customer records BEFORE they were supposed to begin servicing on XX/XX/year>. This failure sets customers up for late fees and negative reports on my credit file because Shellpoint Mortgage Servicing is not accepting payments and does not recognize their own loan numbers. 


Background : XXXX. Per a letter from XXXX XXXX  dated XX/XX/year>, I used by bank 's bill pay to send a mortgage payment to Shellpoint Mortgage Servicing to arrive on XX/XX/XXXX. Shellpoint Mortgage Servicing returned the payment to my Bank. I called Shellpoint Mortgage Servicing and they said XXXXwe have not uploaded all of our information ' ... this phone call was on XX/XX/year> - XXXX calendar days following their self imposed XX/XX/XXXX due date when they said payments were due and the servicing had switched. 

XXXX. I received an email from Shellpoint Mortgage Servicing welcoming me today ( XX/XX/year> ). The email invited me to register at shellpoint.com. After a successful login I tried to 'find my loan ' using my last name, SSN and loan number provided on the XX/XX/XXXX letter from XXXX XXXX loan XXXX ). Shellpoint Mortgage Servicing could not find my mortgage.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NV)

I reported two transactions for {$29.00} from an online company that I have nothing to do with and I did not authorize and I did not purchase. It looks like some identity theft, some kind of credit check company and its been three different transactions one for XXXX XXXX  one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX and Since I made the complaint earlier, I see one of the {$29.00} charges as a provisional credit right now on my account and a XXXX charge is also on there but the other XXXX is from a company like XXXX its a variation of the other one. Its not even the same name but its the same place I think and I want that money too. That was already denied and I dont understand why they keep denying me things that I didnt do so I dont see a provisional credit of XXXX. That should be twice