davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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: Prosper Marketplace, Inc. (VA)

Hello. I had a loan with Prosper and recently paid the account off. I had a payment dated XX/XX/XXXX {$160.00} that was returned unfortunately I didnt know at the time the payment was returned from bank. Prosper Called me to make me aware the payment was returned XXXX and I recovered the payment {$160.00} on XX/XX/XXXX I spoke to representatives and supervisors to verify the payment will not report to credit bureau because I was under contract for a new home. The representative verified from her and supervisor it wouldnt report because I paid it in enough time before they actually report to credit bureau. I recent found out Prosper reported my XXXX pmt late. My credit score drop XXXX points and now Im no longer qualified for my home. I am currently homeless and living with family and friend with my 3 children. I tried to reach out for correction but they advice will not update even though I was told wrong info. Please help me
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I had been using Venmo for several months and then all of the sudden, my account was frozen. Evidently someone else had been using my Venmo account, but Venmo never told me. I have requested repeatedly that they close my account. I want it closed. They won't close it. I don't know how to get them to close it.
Consumer complaint received 2023-10-16
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. (TX)

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 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against my mortgage company for violating the Real Estate Settlement Procedures Act ( RESPA ) and the Consumer Financial Protection Bureau ( CFPB ) consumer laws and regulations. I recently refinanced my mortgage with this company, and I have experienced several issues with their services.

The main issue is that the mortgage company did not pay off my 12-month investment loan by the maturity date of XX/XX/XXXX, as stipulated in the loan agreement. As a result, the investment loan accrued daily interest from XX/XX/XXXX to XX/XX/XXXX, totaling {$6000.00}. This interest was not my responsibility to pay, as it was a direct result of the mortgage company 's failure to pay off the loan on time. 

The mortgage company closed on the refinance on XX/XX/XXXX, which was after the maturity date of the investment loan. Despite this, they did not pay off the investment loan until XX/XX/XXXX, and they did not inform me of this delay until after the fact. They then attempted to charge me for the interest that accrued during this time, which is a clear violation of the CFPB consumer laws and regulations and RESPA. 

I believe that this behavior by the mortgage company is unacceptable and violates my rights as a consumer. I respectfully request that the CFPB investigate this matter and take appropriate action to hold the mortgage company accountable for its actions. I also request that the mortgage company be required to pay any fees or penalties that may be incurred as a result of this violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (MI)

I REQUESTED a factual dispute with experian there response was the creditor said the information was accurate when in fact it isn't charged off account XXXX cant not have a past due amount and reporting charge off every month in the payment history manipulation of the statute of limitations
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.
Consumer complaint received 2023-10-16
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # 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 an account without my written instructions.
Consumer complaint received 2021-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (GA)

A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX  keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I was in the loan modification process and on XX/XX/XXXX I received a letter from Bank Of America that while I was in the process they would not proceed with the foreclosure sale on XX/XX/XXXX also the letter stated it would list a date when documents should be in and they did not have a date. They sent me another letter stating they were missing documents on XXXX XXXX which I had been sending in the documents, then on XX/XX/XXXX I received a financial package of all they needed again which stated it would have the date listed when the documents should be received.I kept sending in documents after documents and they kept saying they didnt receive all of them. I never received a letter stating there was a sale date for XX/XX/XXXX until I called in XXXX. I was told XX/XX/XXXX I could reinstate my loan so on XX/XX/XXXX when I went up to the court house to look at the foreclosure notification to get the fax number on the Courhouse bulletin board the foreclosure notice it was not there, the auctioneer even helped me looked for it. I called Bank Of America and they then said I could not reinstate my loan. XX/XX/XXXX I called Bank Of America and spoke with them about telling me I could reinstate the loan, the representative told me I couldnt because the house had been sold at the time I called Bank Of America to get the fax number on XXXX XXXX, which was not true again the auction had not started and the auctioneer was standing right beside me. According to dual tracking, This is when the lender proceeds with foreclosure while they simultaneously work with the borrower to avoid foreclosure and this is restricted. XXXX XXXX had the property listed for sale on their page for XX/XX/XXXX however they sold it on XX/XX/XXXX I only had {$32000.00} left on my home. I have asked for all my correspondence for this whole year and they said they cant provide it. In XXXX I spoke with someone to catch-up my payment and we went over my financial information and stated I had to pay {$3000.00} the XXXX time then {$1000.00} the following two months and that I would receive the agreement in the mail however they never sent the agreement. In XXXX I was sick with XXXX and suffered complications. I asked for reinstatement figures in XXXX and I never received them during this time I was again suffering from XXXX and its side affects and asked them to postpone the sale and they did. In conclusion they sent me a letter stating they would not foreclose on my home while I was in the loan modification process which I received the XXXX week of XXXX, they even sent me a financial package on XXXX XXXX. They were dual tracking and I believe my loan should be reinstated based upon proof of what they sent me.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

This complaint relates to my Citi XXXX credit card number XXXX ; I paid Citibank interest upfront on a number of 'balance transfers ' on my account. These balance transfers then charge no further interest until the expiration date. Citi 's policy and a legal requirement is for payments on my account to be applied to the balance ( s ) with the highest interest rate first. This did not happen multiple times. Citibank applied my payments to balances with low interest rates, while there were balances with higher interest rates on the account. I then had to pay interest rates of over 24 % on balances which I had repaid because Citibank allocated my payments to balances with zero or low interest rates.
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

Selip and Stylianou, LLP sued me and obtained a judgement on behalf of a creditor who has sold the debt to a third party. I was not properly notified or given the opportunity to respond to the suit. They are now attempting to garnish my wages on behalf of a creditor that no longer holds the debt.
Consumer complaint received 2024-04-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

XXXX I want the following concerns addressed as soon as possible : Refrain from foreclosures proceedings Message email from XXXX XXXX Void repayment plan paying XXXX a month I only bring home XXXX. 
Ignoring my financial and health hardship ( XXXX  XXXX XXXX ) Messages from Doctors ' Please refrain from starting any foreclosure proceedings, I have been working hard as sick as I am trying to come up with a resolution. 

Frist of all, I am writing again to XXXX  to file another complaint with SPS and mail the complaint to the owner of my mortgage which is XXXX XXXX XXXX XXXX XXXX. 

I want SPS to look at the repayment plan, the monthly payments are too high and i simply can not afford them right now because I a being impacted by the new XXXX virus and a XXXX  XXXX XXXX such as XXXX  XXXX XXXX. 

I am writing to the Department of Housing and Urban Development to find out how I can get help in taking care of my mortgage. 

I am XXXX XXXX XXXX and facing serious financial and health hardship, I feel that there was error were made and I want to appeal the decision of SPS. I think it is wrong to charge me a large monthly payment when I am struggling. 
Your letter asks to understand my financial situation so you can possibly request an exception. What exactly does this mean? I sent you a new income and expense worksheet explaining my financial situation, I don't believe none of you even looked at it. 

Finally, your letter states that XXXX is my assigned Relationship Manager, she is yet to reach me, I have emailed her several times and I have not received any response.
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (PA)

Subject : Dispute and Complaint Regarding Alleged Debt ( Account Number : [ Account Number ] ) Dear [ Debt Collection Agency Name ], I am writing to formally dispute and complain about the alleged debt referenced above, which I have recently been notified of. Despite this notification, I have not received any prior communication regarding this debt through letters, emails, or phone calls. This lack of prior notice has caused significant inconvenience, particularly as it pertains to my current housing situation. 

Upon reviewing my records and credit report, I have identified several concerns regarding this debt : Lack of Prior Notice : I have not received any correspondence from your agency or the original creditor regarding this debt before the recent notification. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to be informed about debts owed and given an opportunity to dispute them before collection actions are taken.

Verification Request : I hereby request validation of the debt as per my rights under the FDCPA. Please provide the following information : The name and contact information of the original creditor. 
Documentation showing the amount owed and the nature of the debt. 
Verification that I am indeed liable for this debt.

Impact on Credit Score : As I was not a co-signer or party to the original agreement, this debt should not be reflected on my credit report. If it is currently impacting my credit score, I request that you immediately cease reporting it until the dispute is resolved. 

Cease Communication : Pursuant to my rights under the FDCPA, I request that you cease all communications regarding this debt until the verification process is complete. Please confirm in writing that you have received this request. 

Further Actions : If I do not receive a response to this dispute within 30 days or if the debt is not validated, I reserve the right to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly and fairly.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I had some optimism at first about this new loan servicer in hopes that they would be more responsible than the student loan caretakers before them. That unfortunately ended quickly. 

1, The first issue is that Mohela has my monthly payment hugely wrong since I took time off to take care of a family member last year and didn't make near what I usually make in income. And I can not get through to them due to terribly long wait times. It also seems like they have literally taken away the option to message them as when I try to it just dead-ends into another page that has nothing to do with messaging.

2. The second issue is that I requested a refund from Mohela before the deadline on XX/XX/23 for a refund of a student loan payment I made during covid. I messaged them through their messaging system and also talked to an agent that day who said he would put in the application for me and that it would take a couple weeks to get back to me. 

However, on XX/XX/23, they emailed me that the deadline had passed and since I had not requested before the deadline, I was not eligible. On XX/XX/23, I messaged them and said that they were clearly wrong and it was unacceptable since my first message even has the date of XX/XX/23 which was the deadline date. I also talked to a representative that day and he said that he was putting in the application and it wasn't late. They never responded to this message and their strategy seems to ignore issues that they cause. And now they have taken away the option to message them.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

XXXX Student loan {$5500.00} Great Lakes Borrower XXXX Student loan {$5500.00} XXXX XXXX XXXXXXXX XXXX Started paying on Student loan with Great Lakes Borrower XXXX Called and spoke XXXX at Great Lakes Borrower requested that my auto debt student loan payments to continue as I was working fulltime and didnt need my loan to deferred. 

XXXX Received letter indicating Great Lakes Borrower Service had sold/transferred my student loan to nelnet. Letter mentioned my monthly auto debt of {$120.00} would continue as it had with Great Lakes and no changes would be required from me. 

XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet had listed my student loans as XXXX XXXX  and XXXX XXXX and applied the entire {$120.00} to group AA instead of breaking this down to into both groups. Spoke with XXXX and XXXX said this wouldnt be possible and she would need to have us fill out paperwork so nelnet could reallocate my payment each month. I was not satisfied with this and XXXX placed me on hold and spoke with a manager. When she came back on the phone XXXX said the payments would be corrected and the changes to make sure my monthly payment of {$120.00} would be divided up and {$63.00} would be applied to loan XXXX XXXX  and {$60.00} would be applied to XXXX XXXX. I would not need to do anything. 

XXXX Received statement from nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. I spoke with XXXX and explained the issue and XXXX transferred me to XXXX. XXXX reallocated my XXXX payment and said she would make sure all future payments were taken care of properly. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Spoke with XXXX and explained the issues. XXXX said this would be taken care of for this payment and all future payments. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX. Explained to XXXX the issue and she was checking with IT to see why this keeps happening and can only suggest the reason for this is because they are back up and not able to see the special note that is attached to this account. XXXX will make the correction. With being on hold and with XXXX I was on the phone for XXXX hours and XXXX minutes. 

XXXX Received statement from Nelnet indicating I owed {$60.00}. nelnet applied my entire payment to XXXX XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Commercial Services, Inc (MI)

I received a letter from XXXX XXXX XXXX XXXX XXXX A lady called and while I was trying to explain what happened in the car accident she got upset and began to threaten me about wage garnishment and losing my license because they contacted my insurance and they didnt want to pay. A balance of XXXX was just sent to me I never went to court heard anything from police. Just a call being threatened out the blue. XXXX XXXX is her name XXXX ext XXXX
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.