davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Greetings! 

I am writing to inform you about a probable scam or phishing attempt. Even though I do not own any debt, I get collector calls from Portfolio Recovery. These calls may be fake collector calls. I have not received any information from this company. They did not mail me a written notice, which is required for collectors according to the Fair Debt Collection Practices Act and the Consumer Financial Protection Bureaus Debt Collection Rule of 2021 ( CFPB, 2015 ; CFPB, 2023 ). 


Sources : CFPB ( 2023 ). CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/
Consumer complaint received 2022-07-08
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.
Consumer complaint received 2022-07-08
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. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (OH)

I never knew that I owed anyone money, this just appeared on my credit report. I've called multiple times since & asked for information- they can't tell me anything about it, just that I owe money. I have no idea what it's for! Every time I've called they've been rude and can't understand why I won't just pay it.
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (GA)

Here 's the situation .... I paid off a Chapter XXXX Bankruptcy in XX/XX/XXXX, and in XX/XX/XXXX went through the appropriate channels to be issued permission to purchase a new vehicle. 

The bankruptcy was discharged as of XX/XX/XXXX. The payments for the vehicle have, and still are being made ( account is current ) and were reported to the credit bureaus up until XX/XX/XXXX, and that's when I noticed the account completely disappeared off my report, like it never existed. I called and spoke with someone at XXXX and they advised me that because they had just received the bankruptcy discharge ( in XX/XX/XXXX - they said ) basically someone " dropped the ball, because it should have never been reported to start with ''. 

However, when we originally purchased the car in XX/XX/XXXX and had to submit all paperwork to XXXX XXXX, this was submitted and we spoke with someone at XXXX while at the car dealership, to verify that this would be reported and were told that yes, most definitely it would be reported to the credit bureaus. So basically now we are being told we will be paying a car note for the next 6 years that will not be reported to any of the credit bureaus, and that there is nothing we can do about it. All I want is for the account to be reported again to the credit bureaus ....
Consumer complaint received 2018-09-04
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. (IL)

I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This company in which I hold no contract with nor have received services from reported ( 3 ) different collection accounts against my Social Security Number in the amount of {$510.00}, {$710.00} and {$570.00} with XXXX, XXXX & XXXX   credit reporting agencies. I requested verification and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Consumer complaint received 2022-07-08
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-04
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: Navient Solutions, LLC. (VA)

I have tried to resolve this with the XXXX but I don't seem to be getting anywhere. Here is an overview of what is going on ... 
XX/XX/XXXX loans were taken out with Sallie Mae. Graduated XX/XX/XXXX. Was making payments on the loans. My mom ( who was the co-signer ) passed away in XX/XX/XXXX. I called and spoke with a representative to let them know she had passed away. They informed me that loan amount owed would be taken from estate. Sent the death certificate and they told me that she would not be removed right away because she had to remain on the account in order for her to be shown as being indebted to Sallie Mae. Nothing happened. They finally removed her from the loan XX/XX/XXXX. I made payment arrangements with them. Navient takes over and they begin to report inaccurate information and seem to have no knowledge of anything. They claimed that I stopped making consistent payments so they charged the loan off XX/XX/XXXX. But from the documentation that I will attach its clear to see that I was still making payments well into XX/XX/XXXX.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

I have a mortgage with ocwen bank and in XX/XX/2017 I put in for a modification on my mortgage and it was granted in XX/XX/2017 and the company said I didn't have to make any payments until the modification process was completed. But they put on my credit report I was late XX/XX/XXXX and XX/XX/2017
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Hi, i was using Coibase wallet and was scammed in a arbitrage trading platform on their site called XXXX, i had XXXX worth of XXXX ( about XXXX USDT ) taken from my account without my permission, I have contacted Coinbase but they say it is not their responsibility and say they can not recover my funds.. I did not make any transaction and have lost everything to the scammers. 

Coinbase will not help me even though we have the wallet address it was sent to and the transaction information. 

Please help me, i have lost everything and coinbase will not help me.
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

For one, I am a US XXXX vet under the old GI bill ( XX/XX/XXXX-XX/XX/XXXX ). Went to college under the old GI. Before college was completed the old GI was canceled thus had to get loans to complete college. I was laid off three times as a XXXX XXXX XXXX thus XXXX income. Sallie Mae/Navient would not help unless I got forebearance. Why was a deferment not afford? ( no one can answer me that question ). All that did was add {$30.00} to a loan of around {$40.00}. I graduated in XX/XX/XXXX and my loans are not even going down even after all this time paying each month. I am XXXX years old and getting close to retirement. How can any one retire with this over my head. You can not tell me that I have not paid back the original amount by now. Also our house hold income has come down at least by a 1/3. Wife has become XXXX and can not work plus she just had a XXXX XXXX removed three weeks ago. So in turn it is pay student loans each month or get and pay for medical help/expenses. No one seems to help anyone. I need some help. I have already spoken to US Department of Education about me not getting any help and got a letter from them. They said to contact the CFPB if needed. Add me to any lawsuit concerning Navient.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

After reviweing my XXXX credit score on XXXX, I found that on XX/XX/2018, a company under the name SYNCB/WALMRT, made an unauthorized inquiry on my credit report without my knowledge or consent.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MA)

I switched carriers from XXXX to another carrier. XXXX was to furnish a final bill, which the new carrier agreed, within a 90 day period of time to pay, upon furnishing the final bill. XXXX would not furnish a final bill nor tell me why. Ultimatly, it was discovered that a range extender, provided to me at no cost because the XXXX phones did not work at my home as represented, was the issue. As the extender was not associated with the phone contract, they could not even tell me what was holding up the issuance of the final bill, until the 90 days had expired. I made many calll to resolve the issue, and was finally assured the bill would be canceled, then the next month got a credit notice. I was in the hospital ( can be confirmed - Im a XXXX ) much of XXXX, and could not respond to ( did not know about ) credit demand, so am now trying to get fair settlement and expunge record from my otherwise good credit. I believe that XXXX uses this tactic as an anticompetitive tactic to punish folks who switch from their service. Representatives from the credit service and XXXX regularly hun ip on me when I daughter to resolve this unfair and unreasonable debt. As an aside, we switched because XXXX does not have coverage where we moved 7months ago, which is why we switched services.
Consumer complaint received 2018-09-05
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halstatt Search Partners (OH)

These are the MOST RUDE and UNPROFESSIONAL individuals ever. They are disrespectful. They say things like " your a deadbeat ''. Multiple Times I have communicated to this company NOT to contact me at work. They continue to call me at work with the most recent voicemail being XX/XX/18 at XXXX XXXX EST. I have communicated with in writing that there should not be ANY calls or contact attempts made to me at work.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.
Consumer complaint received 2018-09-04
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: EQUIFAX, INC. (WI)

Account was in deferment but XXXX XXXX XXXX reported it past due and after reporting it past due changed the loan to current.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Equifax refuses to correct information on my credit report. My name, XXXX XXXX XXXX, the name they have is incorrect, a collection account, XXXX XXXX XXXX, is not mine. The other collection, XXXX XXXX has been paid. I can not get onto their website, as it tells me that the verification information I submitted is incorrect, because the information they have is incorrect. I have literally spent hours on the phone with them, and each time starts another 30 day stall and they never correct it. There is a 130 point difference between reporting agencies because they refuse to correct this erroneous information.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The incident is about a WIRE TRANSFER. I was involved in a Love Scam. I do admit that i WIRED the money to capital one ( acct : XXXX rtn : XXXX ) the name on this account is under ; XXXX XXXX XXXX XXXX the amount of the transaction was {$40000.00} us dollars. 
The bank Captial one, called me on XX/XX/2018 to advise me that the wire i had submitted was Fraud! I have been calling ( XXXX ) XXXX rep XXXX is the one that called me and the next day it was XXXX from Capital one. I requested them to cancel and stop the wire from being transfer to that business account. 

The bank Capital one has advise me to call my bank to do a re-call and a hold harmless letter. I have been contanting my bank XXXX XXXX XXXX XXXX XXXX ( XXXX ). My credit union has not been able to do the recall, because they dont have the system to do the recall. 
I have contacted a lawyer and I have also submitted a Complaint referral form to the FBI called Internet Crime Complaint Center ( ICCC ). 
The FBI agent XXXX XXXX ( XXXX ). He has called my credit union and asked for XXXX XXXX ( XXXX ) XXXX she is in the fraud department. The FBI agent also called the wire dept for XXXX and asked for XXXX XXXX ( XXXX ) XXXX and he also emailed the wire dept XXXX, and got no where with them. They have not been able to follow the FBI instructions. 
They are not able to do anything for me! 

I need you, CFPB to help me regain my money. I need my money back. No one has been about to help me. I have mailed the FBI compliant letter to Captial one and i have emailed them the form too, to FDIC ( XXXX ) and to Captial one abuse email. They have it in an email and a physical paper of the FBI Complaint. 

Please tell me what to do. Thank you
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NY)

Quicken Loans offer after the XXXX XXXX last year in Florida a break to help the customers that had damages and lost the tenants, the proposal from QL was not to make payments for 3 months and after that they will contact us and could be extended ; the offer was no late payments, no late fees and no damage on the credit report and the break on payments will not impact the mortgage amount, will be only freeze for the period need it and this months will be added to the mortgage period, all information was presented by phone no documents where received. For our surprise when we were ready to start payment we contact the company and they now send us a mortgage package for 40 years plus they add the interest ( around {$5000.00} increase ) that we haven't pay for those months to the principal and that was not what we agreed. 

Loan number XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-04
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: EQUIFAX, INC. (TX)

Equifax continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via certified letters and by following their disputing process online as well.

Equifax has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax is refusing to delete this information from my credit report.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX : Wells Fargo Mortgage Loan # XXXX - Client : XXXX Property Address : XXXX XXXX XXXX, XXXX, CA XXXX Loan Closing Date : XX/XX/2018 ; Loan Disbursement Date : XX/XX/18 Escrow # XXXX XXXX XXXX XXXX The purpose of this email is to request a refund of any and all fees, including interest, that we paid in connection with a mortgage loan that we found ourselves with that we did not want or ask for. 

We met with XXXX XXXX, XXXX # XXXX ( XXXX ) at Wells Fargo Bank to request a line of credit to cover landscaping and other miscellaneous charges for our newly purchased home, for which we had paid cash. XXXX XXXX kept talking about a mortgage loan and we kept insisting we only wanted a line of credit ; that we did not need the money and did not want a mortgage loan. We had recently paid cash for our new home. Somehow, we ended up signing documents for a mortgage loan in the amount of {$170000.00} and a home equity line of credit. 

We are not happy to admit that we did not fully understand these transactions until we started receiving bills for a mortgage payment. Not understanding why we were being billed, we had a neighbor look at our paperwork and she was able to review and explain the paperwork and discover that the money for the mortgage loan had been deposited to our savings account. Until that time, we did not aware that the {$170000.00} ( after fees ) had been put into our savings account. 

Upon learning we had a mortgage loan, we went into Wells Fargo and had a chance to speak to a XXXX XXXX and asked why they would have given us a mortgage loan and she agreed it didnt make sense to borrow money to put into a savings account. Why would we pay 4.5 % interest on a loan to deposit the funds into a savings account earning .06 %? At that time, our only option to get out of this mess was to pay the loan off. 

On XX/XX/2018, we went into a Wells Fargo branch and paid the loan off. At this point we still have the Home Equity Line of Credit and thats fine with us, as thats all we ever wanted to begin with. 

We feel like we were taken advantage of and sold a product that we clearly did not want, did not understand and that made no sense for us to have. Clearly, the loan XXXX who made both of these loans to us was not acting in our best interests. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Complaint submitted to CFPB on someone elses computer. Please reply to the email address of XXXX when responding.
Consumer complaint received 2018-09-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Asset Management Outsourcing, Inc. (FL)

Company calls multiple times a day. When answered, often the person hangs up without speaking. The final straw was today when the phone calls began at XXXX which is outside of the XXXX XXXX XXXX call window. When I called back and informed them that they were harassing by calling outside of that window they informed me that I don't know what time it is. I informed the " gentleman '' that I am on Central Standard time in the FL XXXX and they should probably know what time it is before they begin harassing people for the day. I get no less that 2 phone calls a day from this number, and sometimes upwards of 4 or 5.