davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (VA)

When I opened a line of credit account they opened portfolio account without my request. When I asked they false information such as it is required for my line of credit account.I have requested a couple of times and each time they tried to scare me from closing the account. Now they are charging me {$30.00} each month.
Consumer complaint received 2022-02-18
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TN)

1.I have never have STUDENT LOANS accounts, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) The STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-02-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company (FL)

Statebridge company calls repeatedly and has reported my debt unpaid for 60 days. 
I paid online in XX/XX/2020, but requested information to pay without incurring a {$5.00} processing fee. 
I was directed to use bill pay. 
I paid {$190.00} on XX/XX/XXXX I paid {$95.00} on XX/XX/XXXX These were processed by bill pay through XXXX XXXX. I have the records on my bank statement. 
Statebridge does not have any way to contact them. They keep customers on indefinite hold and have a fake answering machine service and is impossible to access.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (TX)

Loan was refinanced away from Exeter finance to my own private credit union, XXXX XXXX. Exeter sent a letter to the dealership directing them to send my refunds for both gap insurance which was for {$790.00} and XXXX  XXXX insurance in the amount of XXXX be sent directly to them. They from the gap insurance refund deducted {$82.00} from that check which they sent out to me and from the XXXX  XXXX insurance deducted {$36.00} from that check and for no good reason holding that check until XX/XX/2021 in case as they say something else come in on the account even though the account is closed and paid off.
Consumer complaint received 2019-03-24
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. (TN)

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, XXXX & Equifax asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Fed Loan is providing inaccurate information and is not notifying their customers of the changes in the law since the CARES ACT was signed. For example, FED LOAN is telling me that I missed my deadline to recertify my IDR plan for PSLF. However, the FAQ on the studentaid.gov website run by the Federal Government says the following : " NEW : My Income-Driven Repayment ( IDR ) recertification date is coming up soon. Will the administrative forbearance affect when I should recertify? 

Yes. You will not have to recertify your income before XXXX XXXX, 2020, regardless of whether your recertification date would have happened prior to XXXX XXXX, 2020. As part of the administrative forbearance, your recertification date has been pushed out six months from your original recertification date. You will be notified of your new recertification date before it is time to recertify. '' Even when enlightened to this point, FED LOAN is refusing to adhere to these guidelines. How are borrowers supposed to know what is true if the lenders are providing inaccurate information?
Consumer complaint received 2019-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Spoke in the phone with a representative who missed pronounce my name several times and didn't completely understand what I was trying to tell her. I believe she said she was based in XXXX. I also sent a USPS certified mail package to Transunion, which was unable to be located since I sent it to the dispute office in PA. I've attached what needs to be submitted to get these fraudulent accounts off of my credit file.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TN)

1.I have never have STUDENT LOANS accounts, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) The STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (VA)

This company placed a collection account that was result of identity theft and I previously notified them of such, but they are still attempting to collect on this fraudulent account and placed it on my credit report. Despite me advising them that it is identity theft. I have I have included an additional identity theft affidavit that I recently filed to support my claim.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (MN)

Dear Consumer Financial Protection Bureau, I am writing to urgently seek your assistance with a serious matter that has adversely affected my credit report and, consequently, my financial wellbeing. I have been erroneously associated with a debt from Volkswagen Credit for the amount of {$67000.00} with which I have never conducted any business. This mistaken entry on my credit report has caused significant harm to my creditworthiness and undue stress to my family and me. 

Upon noticing an unfamiliar vehicle purchase on my credit report attributed to Volkswagen Credit, I immediately took action to dispute this entry with the credit bureaus and directly with Volkswagen Credit. Despite my efforts to rectify this error, including requests for any documentation or signed agreements that could substantiate such a claim, Volkswagen Credit has consistently refused to provide me with any proof. Their justification for denying my requests is that I am not the individual associated with the account in question. This response only adds to my confusion and frustration, as it raises the question : If I am not the person associated with this account, why then does this erroneous entry appear on my credit report? 

This situation has placed me in an untenable position, where my financial integrity is questioned due to an error not of my making. The refusal of Volkswagen Credit to address my concerns or provide any form of documentation only exacerbates the issue. It is clear to me that this constitutes a wrongful reporting of debt, and I firmly believe that I do not own this debt. 

The impact of this dispute goes beyond a mere numerical score ; it affects my ability to secure loans, obtain favorable interest rates, and, most importantly, maintain financial stability for my family. Therefore, I implore the CFPB to intervene in this matter. I request a thorough investigation into this dispute with Volkswagen Credit and a prompt correction of my credit report to reflect accurate information. 

I have attached all relevant correspondence with Volkswagen Credit and the credit bureaus for your review. I am committed to providing any further information required to resolve this matter. 

Thank you for your attention to this pressing issue. I look forward to your swift action and resolution in favor of restoring my credit integrity. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: Green Square Company LLC. (TN)

1.I have never had an account with this company XXXX PREMIER XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX PREMIER XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2018-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by XXXX
Consumer complaint received 2021-11-08
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. (NJ)

I never gave EQUIFAX permission to report anything on my consumer report. No conscent is identity theft. 
15 US CODE- 1681a ( 4 ) congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS of credit reporting. ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALLY, AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 
Also equifax shared my consumer profile with XXXX XXXX in regards to an account on my report I was disputing. I did not give EQUIFAX permission to reach out to transunion in regards to an account. On my consumer profile On XX/XX/XXXX. I discovered This information on XX/XX/XXXX XXXX. I was informed by the worker who name is XXXX. I dont agree with the actions EQUIFAX XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MS)

This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/2018 that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated XX/XX/XXXX.
Consumer complaint received 2020-09-11
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: Firstsource Business Process Services, LLC (GA)

I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.
Consumer complaint received 2022-08-26
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: PENTAGON FEDERAL CREDIT UNION (VA)

On XX/XX/2021, I submitted a mortgage application to PenFed Credit Union. As soon as I submitted the application, my credit was checked with all 3 credit bureas. I did agree to one hard pull to process the application. That was fine. 

However, on XX/XX/2021 when I called to follow up on the mortgage application, the mortgage specialist pull me on hold to review my application and documents, and he inadvertently requested my credit for a SECOND time.

I pay for services that alert me when my credit is pulled. I immediately informed him over the phone of what happened. The representative was clueless and swore he did not request my credit again. Only 1 inquiry was needed. There was no need to run a second time. The representative though I was probably seeing the same as yesterday. I was very clear that it was two independent inquiries they ran.

I provided evidence to PenFed on multiple occasions, called over the phone, spoke to multiple departments and kept complaining and PenFed took no action. At the time, they were perplexed because in their system they couldn't see that my credit was pulled twice. I had to send them the evidence, and even with the evidence, they took no action! 

It has been well over a year and the additional credit inquiry from XX/XX/2021 is still on all my 3 credit reports. 

I'm attaching evidence of the inquiries on XXXX and XXXX. These are also showing on transunion. Please have them all removed.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (OH)

I have XXXX refunds missing childtax payments missing andXXXX loan missing and my paypal and XXXX WONT RELEASE TJOUSANDS of dollars to me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ohio,XXXX my address my email XXXX my phone number XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (OH)

I settled an account with the original creditor, XXXX XXXX XXXX. This account is paid, settled and closed. However, the collection agency, The Bureau, continues to report to the credit bureaus that the full amount is still owing. This means I would have to pay this debt twice. According to the FCRA, consumers do not pay a debt to the original creditor and the collection agency. I have contacted the collection agency to no avail to resolve the false reporting. The original creditor had to option as indicated in my letter to decline my settlement offer and refer me back to the collection agency, The Bureaus. but XXXX XXXX accepted my settlement offer. According to The Bureaus reporting I still owe a debt that has been settled with the original creditor. This is false information being reported.