davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

Venmo blocked me from using their services because of my " recent activities '' even there was none recently. They said they have an internal monitoring system that they can't reveal any further details or reasons why they decided to terminate the service. The bottom line is that they never provided any justification on why they ended the service. This is a very upsetting experience since there was nothing wrong with my past activities. I am a XXXX  with a spotless record, and this is not acceptable that Venmo behaved in such manner.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXXhird Party Debt Collector, who appears to be fraudulently claiming authority to administrate for XXXX XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you, XXXX XXXX is authorized to administrate on behalf of XXXX XXXX XXXX, together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXXXXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Caveat : 1692G.

The Trust disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY.
Consumer complaint received 2021-08-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (CA)

I have been in financial hardship due to covid, and loss of work before hand. I have recently started working I have tried calling chase bank twice about helping with deterring payments. Only to give me more time. Only to be met with resistance saying they can not change their policy. When I asked to speak to a supervisor, I was disconnected. Zero leniency policy makes me never want to do business with chase bank again.
Consumer complaint received 2020-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors (RI)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX / XXXX XXXX  / XXXX XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX  / XXXX  XXXX  / XXXX XXXX  - the Companies. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.
Consumer complaint received 2020-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Dear CFPB, I am submitting a complaint to CFPB due to the denial of TEPSLF ( Temporary Expanded Public Student Loan Forgiveness ) I received on XX/XX/XXXX. Attached is a copy of my TEPSLF request and the denial. 

The TEPSLF denial states that I do not qualify for forgiveness under the TEPSLF because I have not been in repayment for at least 10 years on my Direct Loans. 

The TEPSLF was created in 2018 Congress to help borrowers who had fulfilled their public service but who were, unbeknownst to them, in the wrong repayment plan. 

The TEPSLF was created for my exact situation. My lenders, XXXX XXXX and XXXX did not advise me that my loans were not the correct type to qualify for PSLFP. I made 99 monthly payments from XXXX through XXXX. I only learned that I needed a different loan type when I applied for my annual IDR renewal. 

I have now met all of the criteria for the TEPSLF however was denied. 

1 ) I have made over 126 monthly qualifying payments ( 120 is required ) 2 ) Both of my loans are Direct Loans 3 ) I have worked for the XXXX   XXXX XXXX  XXXX for 15 years and am still working there. 

Fed Loans has now set my PSLFP completion date in XX/XX/XXXX which is well past my retirement date. 

I was unable to attach my packet of pertinent student loan documents because it was just over 10.7 MB. If I can send it to you another way please let me know. 

Thank you for your review and consideration. Please let me know if further information is needed. 

Thank you kindly!
Consumer complaint received 2018-12-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am a victim of identity fraud, and I believe someone is trying to use my credit to gain illegally credibility. I've made the credit reporting agency aware of this, so they informed me that I should call the hard inquiries phone number that is display onto my credit file, that doesn't belong to me. They also sent out notification to all the hard inquiries that isn't mine three months straight to no avail. So I got on the phone and called Bank Of America and was held up on the phone for two hours, shuffled around to five different departments and still didn't get anywhere. I was told there was nothing they could do about it, and that it wasn't their problem. I did not request products or services from Bank Of America. This inquiry need to come off my credit file from Bank Of America.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Is alleging to be collecting a debt for XXXX XXXX Bank. I would like XXXXXXXX XXXX to provide me with the documents that prove they have the authority to collect for this company. Upon checking the companys bylaws and incorporation for their business practices there is no mention of XXXX XXXX collecting for them. 

XXXXXXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority from this Executor Office to administrate for the " XXXX XXXX XXXX 
You will return and transmit your written evidences of your delegated authority to " represent '' that you, XXXXXXXX XXXX XXXXXXXX is authorized to administrate ( acting as trustee ) on the " XXXX XXXX XXXX '', together with a certified copies of " all '' signatures contract between you and the XXXX XXXX XXXX you and the original creditor, bonds, original creditor Charge -off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreements for passing " XXXX XXXX, private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the " XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Caveat : XXXX. 

XXXX XXXX disputes this debt and all claims to contract in accordance with Title 15 USC If you lack the understanding of this paperwork, forward to your ATTORNEY. 

This will be my last attempt of trying to handle this matter with court action where additional fees will be applied.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX  XXXX XXXX is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX Equifax and XXXX  still shows an outstanding balance.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I XXXX XXXX am writing to dispute the following information Original Creditor 08 XXXX XXXX XXXX  XXXX XXXX A Current Creditor  PORTFOLIO RC Account Mark Collection/ chargeoff Past Due {$440.00} Reported On XX/XX/2017 that your company provided to XXXX, XXXX, and XXXX   I have listed the items : This item : Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Current Creditor PORTFOLIO RC Collection Past Due $ XXXXReported On XX/XX/2017 is inaccurate because there was a data breach resulting in identity theft. I am requesting that XXXX  XXXX XXXX  and Portfolio RC XXXX XXXX  XXXX  have the item ( s ) removed or deleted. 
Please reinvestigate and remove these matter [ s ] and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I have my student loan on a monthly autopay through my bank. Moheka has misplaced my payments for XXXX and XXXX but eventually located them. This time my XX/XX/year> loan payment to Mohela has never been located and Im now receiving late notices on my account!
Consumer complaint received 2023-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

Hello, Consumer Financial Protection Bureau, the current balance of my PayPal account is XXXX and I can not linked to the bank to withdraw balance. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me thank you
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-22
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. (NV)

I took a look at my credit report on XX/XX/2023 and seen that a numbers of inquiry was on my report. I called the reporting agencies to inform them that they were not mine and they did not remove them. THESE INQUIRY SHOULD BE REMOVED FROM MY REPORT XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Collections (SD)

Questionable business practices. No statements and no receipt of payment. Excessive amount of interest and fees accessed. 
Attitude and a high level of insolence from the person that I dealt with. Never sent statements and recipient of the payment made. Excessive amount of charges and interest. 
In addition, when I called in for the receipt which they claim was sent on XX/XX/27 from XXXX XXXX to rapid city was not received by XXXX. They mockingly stated they arent responsible for the post office, to which I replied I wasnt claiming that but it only takes 2 bdays to get anything from XXXX XXXX. When I asked for a sup the person audibly laughed at me. I have acr recorder on my phone and have a copy of this conversation and the one I had with sup XXXX who proceeded to tell me received a receipt of payment is a courtesy. I informed her I have a legal right to documentation showing proof of payment she insisted I use my bank statement and I again informed her I shouldnt have to do that and that not everyone that needs the receipt will accept that as proof of payment. She gave me no inclination that she cared one bit about the attitude of her rep. She did state her director is XXXX XXXX. I would like this forwarded to XXXX XXXX. I think its unprofessional and ridiculous that we dont have a way to get a receipt either online or a screen shot at least emailed to us. This is egregious. 
Desired Outcome Fair and equitable treatment from business and complete clarity on the issues of the poor billing practices. I WANT A RECEIPT IMMEDIATELY AND A CALL FROM XXXX XXXX OR WHOEVER THE DIRECTOR IS
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I XXXX XXXX am writing to dispute the following information Original Creditor 08 CAPITAL ONE BANK USA N A Current Creditor XXXX XXXX Account Mark Collection/ chargeoff Past Due {$440.00} Reported On XXXXXX/XX/2017 that your company provided to XXXX, XXXX, and XXXX   I have listed the items : This item : Original Creditor 08 CAPITAL ONE BANK USA N A Current Creditor XXXX  XXXX  Collection Past Due $ XXXXReported On XXXXXX/XX/2017 is inaccurate because there was a data breach resulting in identity theft. I am requesting that Capital One Bank and XXXX XXXX XXXX XXXX  XXXX  have the item ( s ) removed or deleted. 
Please reinvestigate and remove these matter [ s ] and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (NV)

I have been trying to place a freeze on my personal consumer information but they have made it difficult for me to do so. I want this done because they furnish my personal information to 3rd parties without my consent. I also understand my rights under federal law. 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
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

My payment count for the public service loan forgiveness plan is off by 7 months worth of payments. FedLoans is unable to give me a list of payments that they have verified so that I can compare the two to determine where the difference is. I submitted a request for a recount and list of verified payments in XX/XX/XXXX and again in XX/XX/XXXX. I called again today and was told they are still processing my request and cant give me a timeframe for when this will be complete ( despite the first request being made 15 months ago ).
Consumer complaint received 2024-04-07
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. (GA)

XXXX, Experian, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, I have tried to work with current mortgage servicer, Select Servicing Portfolio to reduce my monthly payments around $ XXXX/month as I have had a significant income reduction and they have not been cooperative. 

When they did propose a new payment, it actually went up substantially to over $ 2k/month around $ 2,800/month. 

I want to keep the property and they have not been cooperative and are quick to assign the account to a foreclosure process to some attorney, whom I am not even aware of.. 

There is an account relationship manager, whom I have spoken with once to mitigate this situation. 

They are basically illegally trying to foreclose on this property and when they took over the account from XXXX XXXX, there was a discrepancy in the mortgage balance and they have yet to give me a clear answer on the actual principal balance and have insisted that I'm behind by 2 months. 

I have asked them for payment history and trying to work with them to resolve any discrepancies with principal balance taken over from XXXX XXXX. 

Meanwhile, also to resolve the situation as they're trying to illegally foreclose on the property in spite of the fact that I have made some form of payment even if it's not full payment every month. 

I have not received a sale date or whom has the account currently, whether a law firm or someone else. 

I have sent them the mortgage assistance application and they made their decision without fully analyzing the situation as I was told from a Customer Service representative. I was informed of this over the phone not an actual letter of their decision outcome based on what factors. This lender has been not very transparent with the interaction I have had with them. 

Thanks for your assistance..
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

i have two closed fraudulent accounts on my credit report. ive tried reaching out to XXXX, XXXX, and XXXX and nothing has been done. this is very frustrating because i am a XXXX XXXX trying to get personal loans in order to provide for myself during the school year and keep getting denied for everything that i apply for. the two accounts is from bank of america for XXXX dollars which was opened XX/XX/XXXX and the only reason that i didnt find out sooner is because my parents ran my credit for me and i just started to look into it. also there is another fraudulent account with XXXX XXXX XXXX XXXX XXXX which is closed as well for XXXX opened on XX/XX/XXXX of XXXX. I have been trying to resolve these issues for the past 3 weeks and nothing has yet to change. so i went on XXXX and researched for hours and found cfpb hoping that you guys are a legit company and can help me with my ongoing issues.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (PA)

Cavalry SPV I , LLC XXXX XXXX XXXX XXXX # XXXX, XXXX NY XXXX - Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX I - XXXX XXXX XXXX have been paying on this account ( XXXX ) since I had it. I only missed 1 payment, it was actually just late. My husband was in the hospital for XXXX XXXX XXXX. I got a call from XXXX collection & threat of a lawsuit. I have been paying {$55.00} a month, because that is all I can spear. My Social Security Check pays the rent & my husband 's job ( finally makes {$12.00} hourly XX/XX/XXXX ) pays utilities, medical & prescriptions, groceries etc. I lost my wallet in XXXX, and had to report the lost to the bank & other agencies. The bank we used has changed names 2 times ; and we have been homeless about 3 times since XXXX. An address change was submitted to the Post Office. I never stopped paying this bill. I only have proof of payments for the last 2 years XXXX & XXXX. Some of the payments went to XXXX XXXX XXXX ; some went to Cavalry SPV I. Your negative reporting is keeping me & my husband from getting into a less expensive apartment in a Senior Living Community. Please remove your negative comments.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.