davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (CO)

I have been a registered nurse for 15 years and have been paying on my student loans since XXXX. I attempted to apply for student loan forgiveness as I have been working for a non profit organization for the past 8 years. Also previous employers also qualify for the non profit. I was rejected for loan forgiveness with no explanation as to why. The system confirms my employer is a non profit and qualifies for this loan forgiveness. I had to apply for a loan consolidation and an income driven plan which is going to significantly increase my payment. I had no choice but to to apply for this, I couldn't just consolidate my loan. I have enclosed a pdf of the document available from my lender ED Financial. There is no record of any of my previous payments showing on this statement
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST PORTFOLIO SERVICING INC (FL)

I never applied for this credit card. I tried to tell the company and they reported it as fraud but it was never taken off my credit report. The company name is XXXX XXXX XXXX on XX/XX/2023 XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-14
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: CITIBANK, N.A. (FL)

I received notice on my XXXX report there was a hard inquiry from Citi Cards CBNA as of XX/XX/XXXX. I immediately called the number listed for creditor and they were unable to locate any hard inquiry related to my social security XXXX. Therefore, they were unable to confirm inquiry could be removed. My credit score has already been affected by this hard inquiry. 
I would also like to add on XX/XX/XXXX I also received notice when filing my taxes that I was a victim of identity fraud. However, I was not advised at that time to file any report. I will be contacting XXXX next. I am sharing this information to provide background.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/year> Dear Sir/Madam, I am writing to file a formal complaint against PORTFOLIO RC for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b.

I do not owe this debt and dont have any knowledge of this debt ( account XXXX XXXX  ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

PORTFOLIO RC has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

PORTFOLIO RC is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

PORTFOLIO RC has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ).

PORTFOLIO RC did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b.

Based on my experience and the evidence provided, I believe that PORTFOLIO RC has violated the following laws.

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses.

3 ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ).

4 ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies.

5 ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account.

I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of PORTFOLIO RC to contact me via emails/text/calls. 




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

Sincerely, XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (NJ)

We were told we had to pay {$500.00} fee to refinance and it would be refunded to us if we were denied the refinance. Our original mortgage was with Wells Fargo and they asked us to refinance for a lower interest rate. It was on a recorded line and we have never been able to talk to that representative. His supervisor said that was not the case and she would forward it the the appropriate department to research our refund request. 

We never received any response from them for months. We paid our mortgage off in XX/XX/2023 and have moved since. 

Mortgage Property location : XXXX XXXX XXXX, XXXX, NJ XXXX Current address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified : 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified : 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 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have been requesting debt verification from Portfolio Recovery for quite some time. I formally disputed through my credit monitoring services and received nothing from the above mentioned debt collectors but they updated my credit report as dispute resolved, customer disagrees. I have asked on multiple occasions for phone calls to cease until Im providing the information I requested but the calls still persist with no validation of debt provided. I have never signed any agreement to pay with portfolio recovery and in their failure to provide the necessary information and cease the harassing phone calls they are in violation or several codes under the Fair Credit Reporting Act. Due to these repeated violations and failure to verify the debt or provide any necessary information I am formally requesting this be removed from my credit report within 30 days of receipt of this complaint.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CT)

A check for {$2600.00} was written in error and mailed to Discover credit card company and cashed on XX/XX/2023 We have no relationship with Discover card. 
I went through my bank and they said theres nothing they can do. 
I called Discover card at least XXXX times Every time I get a different person and nobody can help me get my money back When talking to the people at Discover, they can see the check and they can see they cashed it since we dont have an account I dont know where they applied that money. All I know is they wont give it back to me
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCA Collections, Inc. (NC)

XXXX XXXX XXXX has failed to provide me with accurate information regarding this account to prove that the alleged account belongs to me. Also, under the FCRA, I'm supposed to be notified about any negative account before it's added to my credit reports, this step was skipped by XXXX XXXX XXXX. The date the account was opened is XX/XX/year>, for {$1400.00}.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VEROS CREDIT, LLC. (CA)

From XX/XX/2018, my account balance with Veros Credit was  {$8000.00}. From XX/XX/2018, my account balance with Veros Credit was {$7300.00}. This information reflects that I have only made a total of {$650.00} worth of payments since XX/XX/2018. Late fees from Veros Credit total {$20.00} and my current interest rate with the company is at 20.99 %. 

I have documentation showing that since XX/XX/2018 I have actually made a total of {$2500.00} worth of payments to Verso Credit. It would actually be impossible for me to keep my car if I only made {$650.00} worth of payments to the company. They would have surely repossessed it by now. 

When I asked the company if I could have a better explanation of where my money was going towards, the company was very hesitant and treated me as though I was just trying to get out of paying my bill instead of me trying to understand what was going on. They emailed me a spreadsheet that confused me even more, and that only further made me wonder if they're accounting is efficient and whether my bills are up to date or accurate. 

I am fearful that I have been overpaying Veros Credit and that they do not know how much I actually owe. I am probably not the only one and if they can not bill people correctly or explain billing inquiries to their  customers, than they should not be in business. 

( I also have recordings of the customer service agents that I spoke with who were reluctant to explain my billing questions. )
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I sent a message to MOHELA requesting correction of the number of qualfying loan payments for PSLF on XX/XX/2023. MOHELA ask me to submit a new PSLF application with my employer which I have done so promptly. 
On XX/XX/2023, I requested follow-up on the processing of my application, as my qualifying payments are still not showing correctly. They said to allow 5 business days to process. 
On XX/XX/2023, the changes are still not corrected, and I followed-up again, they said to allow another 5 business days to process. 
On XX/XX/2023, the changes are still not corrected 111 days later ( giving them +106 days to correct my payments ), and they have not done so and did not reply back. 
On XX/XX/2023, I notified MOHELA that I am filing a complaint with CFPB.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In XXXX my credit card bill was due I set a payment amount for {$200.00} in which the money was in my account. After the payment declined I called the company and they told me that my credit card was closed due to payment denial. This is a false statement. I attempted to make a payment and the funds were in my account. I followed up with submitted another payment of {$150.00}. I called customer service to ensure that my account can be reopen due to the money being in my account with no pending transaction waiting. The company said no they will not reopen the account. After doing research I seen that Capital one is being sued by Walmart due to allegedly failing to meet customer service standards. Capital one is not meeting my standards as a customer who attempted to clear there debt and being declined.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I noticed that there were Chargeoffs on my credit report which are not mine. These accounts are not mine and I don't want to report identity theft on my credit report so I wanted these companies to verify this information which is incorrect which is required under FDCPA and FCRA laws. These companies have not responded at all and one company sent me a letter which had no verification whatsoever.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (FL)

My mortgage company Mr. Cooper/Nationstar agreed to give me an extended Forbearance period until 2024 to pause my payments however they start asking for the monthly mortgage payment by text message, phone call and written email prior to the end of the initial plan. The agreement from this company was to help me through my hardship and allow me additional time to pay. I received a written confirmation agreement and had made financial arrangements based on Mr. Cooper 's letter to me that I had additional time to pay and now they have taken it back. The company did not give me any type of written notice I was cancelled from the Forbearance plan. I am being treated unfairly, I am being discriminated against due to my race, Fraud is being committed against me with their deceptive practices saying they are allowing additional time but then sending me notifications for payment. I called the company and the phone hung up on me twice.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

On XX/XX/2023 I submitted an IDR application that is still processing. Later, my account showed as on the REPAYE plan with a $ XXXX payment. Then, it was updated to a SAVE plan with a pending month payment. Then, my account was put on the level plan with an outrageous $ XXXX payment. Then, when I called, I was told that my payment under the SAVE plan would be {$260.00}. MOHELA is incompetent and is wasting my time and money processing my forms for months on end and they keep switching me back to a level plan even though I keep applying for IDR options and am on PSLF.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One in XXXX to update my autopay information. The representative updated my 3 accounts and said all is taken care of. I called in XXXX to find out why I was charged past due fees. I was informed only then that all 3 accounts were closed due to Returned payments and that no payments were being processed from the updated and correct bank account. Capital One has refused to reopen my accounts and have stated that it is not a legal issue that would warrant the CFPB to get involved. I have been a customer of Capital One for 10 years and devastated about what this is going to do to my credit history. They provided no clarification or assistance whatsoever.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX keeps opening up Disputes everrytime I contact CFPB with new information in the last 60 days XXXX Has Only Corrected and deleated XXXX XXXX these practices need to be pubilicflly notted for future Law Suits as Exhibits as well XXXX needs to stop trying to sell me services to boost scores etc THIS NEEDS TO BE STOPED IMMEDIATELY
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

Again XXXX monthly statements for XX/XX/05 and XX/XX/05 They may appear to have matching amounts, however if you notice the small difference in the amounts on both statements. XXXX XX/XX/05 statement XXXX XX/XX/05, as small as the discrepancy how is it possible to be wrong on both statements?