davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

When COVID-19 first shut down the country my wife and I had a significant reduction of income. Not knowing how long this would last we used our savings and credit cards to continue paying our bills and expenses. However, as the shutdown continued, we applied to PennyMac for forbearance with our VA loan under the CARES Act. They assured us this would not negatively impact our credit report according to changes to reporting forbearance in the CARES Act. We only used two months for forbearance of which our mortgage statements in XX/XX/2020 and XX/XX/2020 were annotated as " Disaster Forbearance Plan Amount Dut {$0.00} ''. Before the end of XXXX our income from my XXXX XXXX resumed and my wife 's XXXX XXXX income resumed so that we could exit forbearance and resume normal payments. We contacted PennyMac and completed the necessary paperwork to restructure our loan and add the two payments to the end of our loan. Within 30 days of ending forbearance, we sold our home in XX/XX/2020 and paid off the entire mortgage amount to include the two months of forbearance. Subsequently when we applied for a new home mortgage with XXXX XXXX, they informed us of two discrepancies on our credit report showing missed payments in XXXX and XX/XX/2020. We immediately contacted PennyMac through their messaging service and informed them of these errors and they responded they would not make any corrections to our credit reports despite the CARES Act requiring forbearance accounts to show as current.
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have previously attempted to resolve a disputed collection attempts by this company without success. I have indicated that the debt they claim is not mine and they are using loan shark tactics to collect a fraudulent account. I have tried to file a complaint ( XXXX ) at this organization ( CFPB ) and the company continues to deny and refuses to investigate the ownership of the account in question. I submit the attached letter from XXXX XXXX documenting that I do not owe this debt. Portfolio Recovery Associates continues their tactics despite this proof.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX, my Bank of America Credit card tradeline limit was lowered for excessive usage. I just received an email today stating that my credit card account was closed due to possible inactivity, delinquency, public records, or balance issue. I called Bank of America to resolve. I was told that they couldn't do anything about it and I will receive a letter in the mail. My daughter was also on that credit card as an authorized user because I was trying to establish good credit for her as well. This has now altered both our credit scores and I'm considering a civil suit for financial discrimination. We are Americans of XXXX descent and posed no credit risk higher than anyone else. My account was paid off religiously and carried full available credit at the time it was involuntarily closed. I am disgusted with Bank Of America. 

" ACCOUNT CLOSURE Account number ending in XXXX Bank of America Unfortunately, we've made the decision to close your credit card account ending in XXXX on XX/XX/XXXX. 
We wanted to let you know about this change in your credit card account status as soon as possible. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

If you have any recurring payments linked to this account, please be sure to make other payment arrangements. 

We apologize for any inconvenience closing the account causes you. 


Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America, N.A. Member FDIC. Equal Housing Lender XXXX Bank of America Corporation. All rights reserved. 

This email was sent to : XXXX EMAIL-XXXX  ''
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CT)

On XX/XX/2021 I wrote a check on my account at KeyBank to XXXX by XXXX for a window replacement in my home. When I saw the replacement later that day, it was shoddy. On XX/XX/XXXX at XXXX am I went to KeyBank and stopped payment on that check. That was check # XXXX in the amount of {$7600.00}. The bank sent me a written confirmation that they had stopped payment on the check within a few days. I also informed the window company that I had stopped payment on the check. They nonetheless presented the check for payment several weeks later and the bank paid it. I have spoken with several people including the bank manager at the XXXX XXXX of KeyBank. Today I received a notice from the Key Bank Adjustments Department stating that the bank credited my account in the amount of {$.00} in this matter. Apparently they stopped payment on a check for {$7600.00} and not {$7600.00}.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXXXXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

The lender, servicer, trustee is violating my homeowner bill of rights and dual tracking my home. 


I applied for Pandemic Forbearance Plan online at www.mrcooper.com on XX/XX/XXXX and was Immediately approved for XXXX XXXX XXXX. 

I have also submitted a Mortgage Assistance Application and as of this writing it is listed as received and deemed complete and is now in underwriting phase. 

I checked the 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  The lender, Servicer and Trustee are dual tracking my home and violating laws.
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

MoneyGram cancelled my transaction ( {$2000.00} ) due an error. Despite the cancellation, they withdrew the money from my checking account. They said it may take up to few weeks to get my money back. That's not fair. I sent the money on XX/XX/, they cancelled the transaction on XX/XX/ and withdrew the money on XX/XX/.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

IN RESPONSE TO CFPB: XXXXI RECIEVED NO RESPONSEYOUR COMPANY HAS NOT TAKEN THE RIGHT AMOUNT OF TIME TO INVESTIGATE THIS PLEASE BLOCK THIS FROM MY CREDIT REPORTRespond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

I victim of identity theft and I have supplied all the proper documentation showing that the criminal charges that are attached to my name is fraudulent!!! I have issues with the way SafeRent is handling the investigation of these fraudulent charges attached to my name. I feel they are not following the rules and guidelines of the FCRA by not properly investigating the criminal records properly. By simply contacting the reporting company and reporting what the report falls very short of an investigation,
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Last year I ordered my credit report and found a repossession account on all 3 bureaus. That account has multiple violations of FCRA, such as balances, dates, it was reporting differently in all 3 bureaus. I was able to remove it from 2 bureaus, because account is not verifiable. But Equifax is not removing it even though it shows they did investigation. 
I have contacted XXXX XXXX XXXX directly in XX/XX/2021 to validate information, but they didn't respond ( I have return receipt ) My question is HOW could Equifax credit bureau verify this account if original company couldn't.
Consumer complaint received 2020-11-04
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. (NJ)

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CA)

Calvary Portfolio Services purchased a credit card debt in XXXX of approximately {$3000.00}. I reached an agreement with them to pay half that amount in equal monthly payments, which I did. I paid every month, on time, until our agreed upon amount was paid in full. Calvary agreed that once paid, the debt would be removed from my credit report. However, 5 years later, in XXXX, I received correspondence from a different debt collection company claiming they bought the other half of the debt. A few months later, I received correspondence again from Calvary, claiming they had repurchased the alleged remaining debt. I am a resident of California, whose laws prohibit collection of debts over 4 years old. 

To recap, this company breached our agreement by 1 ) reselling the remainder of the debt they agreed to forgive, 2 ) repurchasing that same forgiven debt and trying to collect it after CA statute of limitations had expired, and 3 ) refusing to remove the paid-as-agreed debt from my credit report, even after I disputed the debt. 

These deceptive tactics are damaging to my credit and to me. I completed my part of our agreement. Calvary needs to complete theirs and remove this from my credit report. Furthermore, this company needs to be forced to abide by the law and all consumer protections.
Consumer complaint received 2021-05-28
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I am trying to buy a home. This fraudulent account and fraudulent collection company is destrpying my chance to stop being a renter.
Consumer complaint received 2018-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

I have a private student loan through navient. I've been repaying on my loan for 10 years and the balance has stayed the same. How can I pay on something for 10 years and not even knock out the interest! Please help!
Consumer complaint received 2021-05-28
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: CCS Financial Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC (IN)

On XX/XX/XXXX I spoke with a lady by the the XXXX with Fairway Capital Recovery ( collection company ) and she said a copy of the letter was sent on XX/XX/XXXX of XXXX to XXXX XXXX place in XXXX in XXXX. XXXX she said this because we didnt even close on this home until XX/XX/XXXX of XXXX. She was recording this phone call and it was right at XXXX XXXX. 
I then hung up and called XXXX XXXX XXXX and paid that bill for XXXX with a confirmation number of XXXX. This bill was disputed in XXXX of its original amount because the utilities were kept on for over a month after I had left the home as the lease was ended. The leasing company advised me that I never requested that I stop services. Does anyone leave utilities on after they move??? I know I didnt for fact. Anyways I cant prove this from 3 years ago. Total XXXX. So I woke up this morning with a credit alert that there was a collection on my credit report. I then called the collector Fairway Capital Recovery back. I informed them the bill was paid and asked to speak to the manager ( XXXX I was told her name was ) however she was unavailable to speak. Apparently she is the one who has the authority to remove this from my credit report. This is not fair to me. XXXX XXXX kept my deposit and I had to just pay XXXX. That a total of over XXXX dollars that is gone. I probably owed maybe XXXX but not over XXXX. I have disputed this account with XXXX and this collection company before hoping for some sort of fair amount that should be paid but today unfortunately I lost because without any notice to me it appeared on my credit report. This is not fair. I received no letters in over a year. No phone calls. No certified letters. No emails. NOTHING. I paid the disputed balance to XXXX directly and told them this is inappropriate. I demand that The FairWay Capital Recovery remove itself from my credit report immediately.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

American Express is exploiting flaws in the CFPB Process. 

The complaints are supposed to be reviewed in 15-60 days. American Express insetad responds immediately that " they are investigating '' and closing the complaint without providing their final response. 

Because CFPB automatically closes out the complaint once the company responds, it allows complaints to be closed with no substantive response from the business. 

In one case American Express closed a complaint 2 days after being filed with this tactic. They never responded with the outcome of their investigation. Given that CFPB gives 60 days for a company to respond, their is no reason to respond within 2 days that they are investigating other than to show they are timely responding and forcing the customer to give feedback before the investigation is complete. 

This leads to the second part of American Express exploiting flaws in the CFPB Process. 

CFPB reports that another complaint can be given on this issue of closing out the complaint without providing an actual response. American Express responds to that complaint as a duplicate and allows it to be closed without actually responding. 

This duplicate status marked by the company, does not even give the customer the ability to provide feedback to the duplicate status. 

So a company can never respond, and allow no further complaints to CFPB with this strategy.
Consumer complaint received 2021-07-18
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: Nelson Cruz & Associates LLC (TX)

XXXX  does follow federal regulations for consumers. They allow your information to be access and used against you. They constantly report inaccurate information on my file. When dispute it and its definitely wrong they state that the fraudulent information is correct. Which means they are in business with that company which is a conflict of interest. XXXX  and end XXXX does a better job with protecting the consumers. So i have 5 accounts on my that are inaccurate and fraudulent information on them. XXXX  and XXXX recognized the inaccuracies and fixed or deleted them. XXXX does not even investigates them properly. They just state its verified. Even if you upload a police report. They should be shut down and put out of business for giving out personal information and conflicts of interests against consumers. They are the worst American company and they are part of a huge problem Congress needs to shut them down. I have even written my local representative about XXXX unlawful practices to keep consumers down with fraudulent score keeping.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Hello there! 
On XX/XX/XXXX, XXXX XXXX ( XXXX ) sent me three payments for {$480.00} ( {$1400.00} ) and when the money arrived in my PayPal account and I tried to transfer it to my bank, its saying Im not able to transfer the money. I contacted the business and they contacted PayPal to let them know it was them who authorized the transactions and I also contacted PayPal but they never responded to me like they always do to their customers. 

I just want them to let me get my money.