davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/XXXX I pulled my bureau report and found that Portfolio Recovery XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute. 

XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract. 

XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's  XX/XX/XXXX response was insufficient to determine if XXXXRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account. 

XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed. 

This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX. 

XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for. 

XX/XX/XXXX filed this complaint with CFPB
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Since Navient has been the loan servicer I have received wrong information, pressed to apply for forbearance and not provided accurate and clear information about the income-based repayment and or borrower defense, since XXXX XXXXXXXX XXXX XXXX XXXX ( now XXXX University ) provided me with false information about their accreditation and the ability to be licensed and employed after completing their program. 


I enrolled in the program in 1998. There was no APA accreditation.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as requiredunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provideme with any verifiable proof. So, my question comes up again, WHO VERIFIED THESEACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX .... Late dates XXXX, XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ...., Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late dates XXXX
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (CA)

To Whom It May Concern, On XX/XX/2024 I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XX/XX/2024. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2024. Therefore, your response was due on or by XX/XX/2024. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and XXXX account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. 
These entities did not provide information as required. I.e by disputing this debt and exercising my rights under UCC 1-308.

Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. 
Company placed different information on all credit bureaus.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (CA)

Mandarich Law group, LLC filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : XXXX XXXX XXXX XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. Mandarich Law Group , LLP representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce Mandarich LLC to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXXXXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (ME)

I called and canceled all my insurance at XXXX in XXXX of XXXX  because I had gotten new insurance. Then I saw a collection show up on my credit report I was forced to pay by ccs collections or have it ruin my credit. I called XXXX today XXXX to verify that I had canceled the policy back in XXXX and he said I see that you called in to cancelled your policy. acct number XXXX
Consumer complaint received 2022-06-16
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. (AR)

Method of verification. Please check uploaded information sent out certified mail, and green receipts. Also, remove these inquiries. I did not authorize these inquiries. I repeat I did not authorize these inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Dear sir madam, I paid two payments by mistake in XXXX on my mortgage with Loancare servicing, I have reached out to them many times requesting return of the extra payment they have continued to ignore my request. After two weeks of constant calling they requested I send them bank proof after doing that they told everyone the refund would be sent out on the XXXX of XXXX. In XXXX a payment for {$2300.00} and {$2400.00} this has really created a great hardship on my family and it appears to be of no real concern of anyone at Loancare I will seek a Civil Litigation Attorney this week if I dont get a response. My phone number is ( XXXX ) XXXX. 
XXXX  XXXX XXXX
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I created account in loan depot web site, I noticed there is different between the screw balance and the amount you hold during the loan process, XXXX XXXX XXXX XXXX {$110.00} per month for 5 mo. {$550.00} Property Taxes {$830.00} per month for 3 mo. {$2400.00} please advise Payment Date Description Amount XX/XX/2021 Initial Escrow Deposit from Closing {$2100.00} Thank you XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems LLC added a collections amount of {$120.00} to my XXXX credit report on XX/XX/2018. ( No other reporting agency ). However, written notification about debt and notice of right to dispute was never received. Midwest Recovery Systems LLC placed negative item on my credit report without notifying me, which is a clear violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Midwest Recovery Systems LLC to remove incorrect information off my credit report. More importantly, Midwest Recovery Systems LLC are in violation of the FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2018-07-19
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. The dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called Fifth Third Bank Corporate and got nothing more than a run-a-round by their customer service representatives on multiple calls by myself to them. That is the reason I am making this complaint.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I have paid an absurd amount of fee to Wells Fargo in the last year, and in the last month alone they have charged me over {$700.00} in fees There should be a cap on how many fees they can charge this hurts so much and I am unable to make payments on my bills
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Albert Corporation (VA)

I open up an Albert account for a while time now, I have verified the account with my ID and everything. And everything seems alright, I have my ATM card with me. 
The link is up with my employee for direct deposit for the month of XXXX payments. 
And my employee sent my payment into my Albert account of {$5800.00}, the next this was I got an email saying I should verify my account, I was worried about why are they asking me to verify my account again after they received my payment.??? 
Then in the process of verifying my account with them, that same day I got the message that they have suspended my account and they have closed it up. Wow just like that? 
I reached out to the customer service via text, they are the most useless service in the state. 
All they are telling me for the past 10 business days is they cant be of help, there is nothing to do about my funds in the account, and they can not help me. 
I asked them to return my funds back to the employee, so then they can close up the account. But all their response was there is nothing they can do about that. 
My question is why will you suspend my account in the process of verification after I have done verification months ago? 
And why won't you refund my funds back to my employee? 
It is over 10 business days and I see that want to steal my funds from me. 
Albert corporation gives me my funds back., that is all I want. 
And the Government body should shut them down.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

This company is trying to collect {$170.00} and {$170.00} ( listed twice on my credit reports ) from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one is unfairly charging interests even if the bill is paid in full. No other credit card companies pull this type of scam on consumers. Capital one needs to be investigated by the government for these unfair interest charge scams.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

The account do not open by username and password since 3 years now. This account get my y Social every months. I need this bank to refund me my money in full about {$25000.00} or about the amount. Their do not reply clearly my previous complains, their need to refund me.
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I sent them a debt validation letter, they never sent me anything pertaining to the identity of the person that created this debt, they sent me a bill and continue to defame me on the credit bureaus... ..i sent them a afidavit of identity ... .they did not acknowledge the afidavit. they have not sent anything ask for in my letters ... .to establish my identity.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a 2018 cla XXXX. After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CT)

PNC services a mortgage on a property that is being sold through a short sale. The house has been listed for sale sinceXX/XX/XXXX, starting at {$450000.00}, and incrementally lowered until we started to get showings, at a price of {$390000.00}. OnXX/XX/XXXX, PNC had an appraisal done on the property. It came in too high, but PNC will not consider any offers unless they are equal to the XX/XX/XXXX appraisal amount. I sent evidence of issues with the property, poor layout, across from a major highway, cell tower facing the backyard of the property, to no avail. We have had 29 showings on the house since it was listed, and received one offer, on XX/XX/XXXX of {$350000.00}. PNC rejected the {$350000.00} and countered at {$420000.00}.
Consumer complaint received 2018-05-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (AL)

XXXX XXXX dba Supreme Lending has taken over 90 days and counting to close on my loan. I have had to pay for 3 extensions through HUD due to Supreme Lendings underwriting department taking 3 weeks to review my loan documents. Please investigate this!!!