davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

I 've been checking my credit score weekly, for the past few months, because I want to purchase my first home. When I checked it 3 weeks ago, I noticed that I had 3 new derogatory remarks from a debt collection agency. I called the agency, XXXX XXXX, to learn that they have reported an emergency room visit to XXXX hospital from 5 years ago, with 3 separate charges, and posted the date of the negative accounts with the current month and year. I tried to tell the representative that I did n't receive any notifications from them, nor the hospital, and I did n't owe anything on these accounts. He kept reading a prompted script, & would n't acknowledge what I way saying. I know I do n't owe XXXX hospital for any past services, because the last few times that I 've been there, they have me fill out paperwork stating that I 'm low income with XXXX dependents, and that qualified me for their medical assistance program.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (PA)

I am writing to express my extreme frustration and disappointment with the lack of action regarding my previous complaints regarding invalid and unauthorized negative accounts on my credit report. Despite multiple attempts to resolve this issue, these negative items remain on my credit file, tarnishing my creditworthiness and causing significant distress.
Consumer complaint received 2023-06-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2018-02-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NJ)

This is the second time I have requested a reduction in payment from Great Lakes and received a notice 2 months later that my payment was over {$100.00} more than when I submitted. It turned out the first time XX/XX/XXXX they lost my paperwork. I had to reapply, all the time the interest continues to build.I am having this problem with Great Lakes again. I contacted them very upset. The agent took my information, saw my application sitting in the system and did something to cue it. Again, interest still adding up. I received a phone call from someone who identified themselves from Great Lakes who offered me a year payment of {$1400.00} per month which was lower than the {$1500.00} I was paying. This was a major expense and many times left me without money to pay utility bills and buy food. In XXXX, XXXX my husband had a XXXX XXXX. His company outsourced their tech services and the technicians were picked up but at a cut of {$10000.00} less in their salaries. I contacted Great Lakes again in XX/XX/XXXX as I was not able to make the payment. The agent asked me if I thought of submitting a reduction in payment application or whatever it is called and I told her that I did that last year, but the effort and annoyance only yielded me {$100.00} less, barely. She gave me an estimate over the phone based on the information I could provide which was significantly lower than what I was currently being asked to pay. I had the paperwork of everything she used to get the estimate, so my numbers were accurate. Again, I submitted my information and on this past Friday received notice from Great Lakes that on XX/XX/XXXX my payment would be {$1500.00}. I sincerely believe Great Lakes is intentionally causing significant interest accumiliations on my student loan account. As it is, my account has swelled significantly since dealing with them. I am so disgusted with them. No company can be this inept and continue to operate millions of dollars. How much has their inability to process my request cost me, twice over, in interest costs. The fact that I have another student loan separate from this one allows me to receive a reduction. I am not even able to complete my doctoral work because I have taken my all of my classes less 1 credit which I need when I defend my research findings and need to finish my dissertation but the student loan system does not allow a stop on your loan if you don't take two courses. Now XXXX College is requiring you to be enrolled to defend your proposal and I can't afford with my student loan payments. 

I hope CFPB can help me to acquire doable solution.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (FL)

The account for the debt in question was closed on XX/XX/XXXX and has been closed since then. I went to the address of the original creditor and I received a customer receipt for the rightful return of the original creditor 's equipment on XX/XX/XXXX. For some reason, even though the debt was settled with the original creditor, and account was closed, my account was sent to collections ( MRS BPO ) on XX/XX/XXXX and appeared so on my credit report on XX/XX/XXXX. I was forced to dispute this false information on the same day. I provided proof of my receipt, closed account and, settled debt ( via picture ) to XXXX. On XX/XX/XXXX, I won my dispute, and XXXX  confirmed that the account was indeed closed, and settled. The collection was removed from my report that same day, and of course my score went up significantly. On XX/XX/XXXX they reappeared on my XXXX credit report and my score shot down significantly. Once again, I was forced to dispute FALSE INFORMATION, coming from MRS . This time, it was NOT as simple for me to dispute as XXXX  was previously. XXXX, for some odd reason does not allow consumers to send in pictures or information regarding proof of closed account, settlement or paid debt. There is no option for it. I must mention that I truly believe MRS knows this, which is why they WAITED 2 whole weeks to double back and re-file the collection with XXXX. So it was a bit harder to prove to XXXX  that this debt was settled and closed because I wasn't able to send in additional documents. I provided the same infomation to XXXX, that I provided to XXXX, minus the documented receipt. I am being constantly messaged by MRS about this debt, it is very annoying. I actually received a message from MRS right before typing this up. I spoke with XXXX  yesterday, XX/XX/XXXX to follow up on the status of my dispute, expecting good news. Instead I was told that the collection account was valid and that MRS provided adequate information. When I asked if I was able to submit any further information about the dispute ( ie. proof, documents ) I was told that I lost the dispute and that they could receive no further information on this dispute. I dont want to have to live with this FALSE {$90.00} collection on my report for 7 years ... I was told that I would have to contact MRS , and hope that out of the " kindness of their hearts '' that they'd ask for the collection to be deleted by the bureaus since the collection was re-filed somehow. I have been greatly inconvenienced by everything involving MRS and this situation.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

With regards to the Equifax cyber security incident announced on XXXX XXXX, 2017 : Equifax, through its grossly negligent handling of private information, has endangered my and millions of other Americans ' social security numbers and other private information. They have opened up our lives to the ever-present risk of identity theft through their incredibly inappropriate mishandling of our personal information. To add insult to injury, they have placed the onus on us to ensure that our leaked information is not abused instead of taking any semblance of responsibility for their actions.
Consumer complaint received 2021-05-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MECHANICS BANK (AZ)

I XXXX XXXX entered into a consumer credit transaction with Mechanics Bank XXXX XXXX on XX/XX/202. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Mechanics Bank XXXX XXXX took cash. Mechanic Bank XXXX XXXX did not disclose my Right to Rescission in the contract which they should have pursuant to 15 USC 1635.
Consumer complaint received 2021-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( XXXX XXXX XXXX ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

Foreclosure was communicated XXXX of XXXX due to loss of income from Covid. Modification was accepted by Shellpoint Mortgage Servicing in XXXX of XXXX. Payments of {$1400.00}, {$670.00}, and {$2100.00} in XXXX and XXXX had been sent, but rejected and sent back. I was then told that payments would not be accepted due to foreclosure, but I would be accepted for forbearance. Shortly after, I received calls saying that I do not qualify for forbearance and they need the total amount reinstated. I contacted a HUD housing councilor through XXXX XXXX on XX/XX/XXXX. The Councilor called and was able to set up a payment plan that would repay the owed amount within 12 months. I was told that I would just need to wait on the paperwork. I then received a phone call saying that I was not eligible for the payment plan due to the type of loan it is. I called back with the HUD housing councilor on XX/XX/XXXX. I was told that the only option is full reinstatement even though there is a foreclosure moratorium through XX/XX/XXXX.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX I put in a complaint with you about Portfolio Recovery Associates. I had asked for a list of supporting documents for validation purposes and all they sent back was several invoices and a 1 paragraph explanation. 

CFPB, please help me. I want to know since the FCRA and the FCBA says I have a right to ask for these documents that I needed such as 1. Proof of original contract with my signature 2. Provide verification as to why you say I must pay this debt.

3. Please furnish the amounts and ages of each debt 4. Please send proof of all billing statements sent to me since you are claiming that I owe to the original creditor 5. State the amounts of debts when you obtained it and when that was 6. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amounts of each added amount.

7. Please provide proof of last billing statements sent to me since you are claiming that I owe these allege debts.

8. Please provide proof of any payments or other reductions since the last billing statement from the original creditor, I am requesting a full verification as well as documentation of the amount you are trying to collect. Please explain how that amounts were calculated. Also include an explanation on how the other changes/adjustments are expressly authorized by the agreement creating the debts or permitted by law.

9. Also furnish when the creditor claimed these debts became due and when it became delinquent 10. Provide proof of the dates of the last payments made on each account and by what method 11. Lastly provide proof of your license to collect in my state and send with that your license numbers and registered Agent or Agent of Service.

12. Proof of sale between Portfolio Recovery Associates and the company you purchased these allege debts from that has been notarized 13. The assignment clause from the original contract that I supposedly signed.

14. Please provide me with the account number used by the creditor and the amount owed to the creditor at the time this account was transferred 15. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to your company Portfolio Recovery Associates did not provide not 1 of these documents. And I want to know why and why is it okay for them to continue to report this unverified and invalidate account on my credit report. It's not right and something needs to be done about it now please.
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (CO)

On XX/XX/2020, a representative of SoFi gave deceptive information that led to me accepting a personal loan for {$30000.00}. The information given was that if automatic payments were established, there would be a recurring automatic rate reduction of .25 % that would lower the rate to the lowest available rate of around 5.9 % over time. For example, if the loan were 12 % then after one year of automatic payments the rate would reflect 9 %. After approximately 2 years, the rate would be about 6 %. I was told that the rate would drop with auto pay, the representative explained how SoFi was the only company that he knew of with this type of rate reduction program and that the original rate would show on the contract, however the rate would decrease with automatic payments, and that I could locate this unique program information on the company website. I trusted this person only to find out after speaking with a manager XXXX, that the information was false and that nothing could be done other than an apology, a " coaching '' to the representative who's name I believe is XXXX, and a small gift card as an " olive branch '' for the misrepresentation. A reckless and false representation was made that I relied on, and now I am suffering the financial consequences.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-02
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct erroneous reporting in the file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00}
Consumer complaint received 2021-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (VA)

I am receiving loan solicitations for a person whom does not live at my address ( XXXX XXXX, in this case ). I do not wish to receive these mailings and Discover Student Loans ' web site makes it difficult to find contact information to opt out of them.
Consumer complaint received 2021-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative StatusCollection account/Never late. {$590.00} past due as of XX/XX/XXXX. 
Account TypeEducation Balance {$590.00} Date OpenedXX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/XXXX. 
Account TypeEducation Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XX/XX/XXXX XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} written off. 
Account TypeSales Contract Balance {$0.00} Date OpenedXX/XX/XXXX
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I have had a private student loan since 2011 and have been a student. I have contacted Navient trying to lower the interest rate, but instead they have steadily increased it to 9.5 %. Even while I have made their minimum payments, my interest will keep increasing. When I pay extra, they add it towards interest so my principal will never go down. I have paid {$4100.00} on a {$6500.00} loan and still have {$5700.00} left to repay. How is this fair lending practice?
Consumer complaint received 2022-11-02
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (OR)

I was a Simple customer for years, and it was bought by BBVA. Since their digital migration on XX/XX/2021, I have not been able to set up an account, see my balance or reach their customer service. They have not emailed or called me back. Additionally BBVA customer service is a vey very long wait and when they do pick up the line is immediately disconnected. I have not been able to access my account for over a week now, this is unacceptable customer service. Customer service also has a very hard time understanding whats happening.