davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have student federal loans that are handled by the XXXX XXXX program. In XXXX XXXX, I started work with a nonprofit company that qualifies for the public loan forgiveness program. Therefore, in XXXX XXXX, I called the XXXX XXXX program to consolidate all my loans ( totaling {$330000.00} ) under them so that I could qualify my loans in the public service loan forgiveness program. I specifically talked with the loan counselor to help me enroll in a qualifying repayment plan. I was assured by their counselor that the plan to which I was consolidating qualified for the public service loan forgiveness program. The counselor enrolled me in the graduated repayment plan. I have paid every single monthly payment on time, totaling just under {$46000.00} in all. 

In XXXX XXXX, I submitted an employment re-certification form, and only then was I notified that the plan I had been paying to each month did not qualify for public service loan forgiveness and that I would have to start all over again. Therefore, at least 23 payments of about {$2000.00} each month would not count toward loan forgiveness. They stated I had no recourse, but to reapply for the right program.

This is absolutely and inarguably unfair. I would have qualified for private loans that have a much lower interest rate than what I have been paying ( 6.625 % ), but staying in the public service loan forgiveness program made more financial sense at the time. 

Last month, I did apply for the income-based repayment program, which they state qualifies for the public service loan forgiveness program, but I very much believe that the previous 23 months should be counted as well.
Consumer complaint received 2021-02-26
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. (CA)

There are three accounts on my credit reports that are not mine they do not belong to me in any way and I have tried to solve this with the credit bureaus and they are not helping me.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX, I transfered {$82000.00} to coinbase from the same account I had originally registered with. On XX/XX/XXXX at XXXX XXXX, I sent an email to coinbase support asking why twenty days had passed since sending the transfer and it still did not reflect in my coinbase account. On XX/XX/XXXX at XXXX, they answered " I was able to locate the deposit however we can not accept the wire since it is under a business name ( the same business account which was used to deposit all the previous transfers to coinbase ), the wire will be returned. I am still waiting for the transfer for a month now. I have read of many others experiencing this same issue for even longer periods of time. This money is required for my day to day expenses and will be hinderin meeting my families financial responsibilites if not returned soon
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

The ORIGINAL debtor is listed as XXXX They DO NOT have MY consent nor signature for that ORIGINAL account or contract in question. That same {$340.00} balance has been placed and removed from my credit file twice by different collection agencies and has now been placed on my file AGAIN yesterday YET AGAIN dropping my score OVER 100 points across the board. Southwest credit systems is in violation and Im seeking the fullest punishment possible. XXXX is the account they placed on my file which IS NOT mine. LASTLY, I have spoken with XXXX ( WHO I CURRENTLY HAVE SERVICE WITH ) and they verified that its no way I can have an account in collections with them & have a current account.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

During Covid I experienced financial troubles, due to loss of income. In XX/XX/XXXX, I reached out to my mortgage lender PHH Mortgage for help but, was unsuccessful. During that time a representative from XXXX XXXX XXXX XXXX in XXXX XXXX, contacted me claiming they could help me with a Flex Hardship Loan Modification Plan that would get me a reduced 2 % rate and lower monthly payments on my home that I live in and on a rental that had been empty for 12 months, due to the pandemic! They asked me to sign a contract for the agreed five month trial payments beginning XXXX XXXX made the agreed 5 months payments totaling XXXX and they told me that at the end of the payment agreement, my loan modification would be approved by then! instead I am now in a foreclosure status! Im a XXXX XXXX XXXX XXXX  lady with an XXXX XXXX XXXX  son, who I care for and so now this company, XXXX XXXX XXXX XXXX, who claimed to help get me into a more affordable loan modification plan, have gotten me in a much worst situation! At the time that I began with this company, XXXX XXXX XXXX XXXX, I didnt see any scam alerts on XXXX XXXX it wasnt until after I made my last payment in XXXX, XXXX that I began to suspect something wasnt right! so I called my bank and they told me they had not received any documents! I called XXXX XXXX XXXX XXXX and spoke to a XXXX, who said she was handling my file, at which time I asked her where my money of XXXX had gone to? She said part of the money was for them and rest went to the investors that owned my loan, to process the loan modification for approval! All throughout the process there were different girls calling me, I kept asking her who was the main person in charge? I could never get a straight answer? Just to name a few of the names associated with this scam was XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & a few others! I soon realized that I had been scammed! I asked for my money back! But instead they continued to call me to ask for more money! And claim to be working on my file! These people are so dishonest! I cant believe that they are out there hurting people and scamming people for money and all during a Covid-19 Pandemic, when people are desperate to survive and trying to recover from all of the losses! And on top of all this Im also dealing with Identity Theft!!
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thrivepoint Financial Holdings, Inc. (UT)

I received a Renovate America ( XXXX XXXX ) loan through a local Utah company, XXXX XXXX XXXX. on XX/XX/XXXX, through an agent of XXXX XXXX  who came to my door. The loan was for {$2100.00} and was ostensibly to " prepay '' monthly security monitoring charges for seven years. The loan proceeds from Renovate America were disbursed to XXXX XXXX, XXXX and I was contracted to make a {$35.00} loan payment for 84 months. 

In XX/XX/XXXX, I received a letter from the monitoring company ( XXXX  ) saying they were ceasing monitoring on my system in XX/XX/XXXX due to nonpayment. I reached out to XXXX XXXX to find out what was happening, only to learn they went out of business in XX/XX/XXXX. 

Today I received a notice that Renovate America has filed bankruptcy and seeks to sell my " loan '' to another company for collection. I have never been late on a payment and stopped receiving the benefit derived from the loan proceeds as of XX/XX/XXXX. 

I believe that Renovate America and XXXX XXXX, XXXX engaged in unfair and deceptive business practices and colluded to bilk thousands of dollars from unsuspecting consumers who would be trapped in a long-term loan without receiving tangible benefits from the proceeds.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I have sent a correspondence to LVNV Funding certified mail return receipt requesting that the alleged debt is not mine. Following the paper trail, the certified letter was signed for on XXXX XXXX, 2022. 
I also noticed that they have no disclosed to the consumer reporting agency that an Account is in dispute or even deleting the account until a reasonable investigation has been performed. LVNV Funding is in clear violation for not disclosing account in dispute on a consumers file once a consumer identifies inaccurate/unverified information on their consumer reports. 
I have enclosed a copy of the certified mail return receipt where you can clearly see that it was signed XXXX ( XXXX ) weeks ago. They have not notified me nor notify the credit reporting agencies of this unverified account.
Consumer complaint received 2017-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America mortgage agent XXXX XXXX ran my credit without my permission on XXXX/XXXX/17 after I called to inquire about a mortgage program Bank of America has. I filed a complaint with the CFPB to request Bank of America have it removed after they would n't help me when I tried calling them. Bank of America said they would remove it. I was sent an inquiry-removal form with the wrong inquiry date, despite emailing a form to XXXX XXXX with the correct date ( I have attached a copy I sent to XXXX XXXX to this complaint with my ssn and phone number blocked out for security ). The date should be XXXX/XXXX/17, but Bank of America has it listed as XXXX/XXXX/17. The credit bureaus wo n't remove it with the incorrect date. I have tried contacting the Bank of America employees involved, including XXXX XXXX, who is supposed to be my contact my person on this, on multiple occasions regarding this, but have yet been given any kind of response as to whether they will fix their latest mistake, but have yet to receive any kind of response.
Consumer complaint received 2016-12-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, National Association (OH)

In 2001 XXXX XXXX authorized a subprime loan for a mortgage that was way to much for the economy, value of the home, and area.its been over 16yrs of paying this underwater mortgage after selling the loan to several other companies XXXX XXXX XXXX XXXX now New York community bank they have my home in foreclosure! I have raised my children here and now my grandchildren do n't want to lose my home.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2021 Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX updated my credit report with a derogatory mark for a past due amount of {$990.00}. I never opened a account during this pandemic. This account showed up days after I disputed another account. Im not sure if my information has been stolen or portfolio recovery associates are adding accounts because of my dispute. I have never done business with this company.
Consumer complaint received 2020-01-17
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. (CA)

I had to file this report because I was denied from opening a credit card at XXXX today XX/XX/20 due to having accounts in negative standing. None of those accounts belong to me nor did I allow anyone to open these accounts in my name with my personal information. I have no idea who opened these accounts or how they got a hold of my information but I have already filed a police report. I did not benefit anything such as money, goods services or any other benefits from any of these accounts and I did not make any purchases or payments towards any of these accounts. I am not affiliated with any of these companies and I never gave them permission to access my credit information.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it XXXX later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX   XXXX TransUnion you name it i hired XXXX XXXX i called XXXX XXXX  a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to  48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way
Consumer complaint received 2018-01-10
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. (OH)

I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

EDD had to verify my identity back in XX/XX/2020. They advised Bank of America to freeze my account until I verify. Ive verified my identity with them on XX/XX/2020. My account is still frozen with $ XXXX still on the card almost one year later. I keep getting the run around with both companies.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I paid off the credit card with XXXX XXXX Bank. 
Experian deleted, removed, this account showing Excellent payment history from my credit report to provide lenders, creditors positive information. 

Experian has removed this positive credit reporting account from my record and left all negative, derogatory accounts making me like a risky, worthless borrower, infact, the credit characteristic is damaged. 

I have called to obtain a logical response, however, Experian employees advice to call XXXX XXXX Bank to report the account to Experian, hang up on me, do not transfer to XXXX. I have called XXXX XXXX and have advised to call Experian. 
In addition, I have uploaded an Experian letterhead providing infirmation such as credit card account is paid in full with {$0.00} balance. If thia letter is needed then I will uploaded to CFPB but I have to look for it at my files or at XXXX XXXX Bank inbox. 
Experian says I filed a fraud dispute regarding XXXX XXXX Bank. I did not file anything with XXXX XXXX
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (MD)

I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.
Consumer complaint received 2020-04-26
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. (LA)

show tooltip button XXXX XXXXDispute  XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute ftc violations
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I qualified for a loan forgiveness program in XXXX and my loan was forgiven and deleted from my credit report. In XXXX, I filed my taxes and they were intercepted for and outstanding student loan. This is the same loan that was supposed to be forgiven. I filed and appeal, I tried to contact the company. But I have yet to get a straight answer. There was one rep that said they started a new computer system and the old system that would have record of my loan being dismissed is now obsolete.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I HAVE REACHED OUT TO ALL COMPANIES ASKED FOR A LETTER OF DELETE BECAUSE OF FRAUD AND DO TO THE FCRA LAWS THAT IT BE REMOVED AND HAVENT IM VERY CONCERN AND NEED THESE ITEMS REMOVED DO TO FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR A PERSONS CREDIT REPORT IS ( XXXX ) XXXX XXXX OFFER OF CREDIT ( XXXX ) INSURANCE, ( XXXX ) AN APPLICATION FOR EMPLOYMENT, OR ( XXXX ) A COURT ORDER. THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES AS I HAVE REITERATED FROM THE FCRA. I ASK THAT THESE INQUIRIES BE REMOVED ASAP. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM ASKING THAT THESE INQUIRIES BE REMOVED ASAP DO TO FRAUD
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Westlake Services, LLC (IL)

The company name is XXXX XXXX and Westlake auto. These are two different finance companies that have been threatening to sue me and seize all of my assets. They both have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts WITHOUT my written instructions! 
Delete these accounts, they are in violation of my consumer rights. Yes, I've reached out to both companies/agencies and the bureaus numerous times.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

I'm having trouble paying my credit cards and they won't stop bothering me.. I told them I will pay when I can. I'm tired of getting harassed with different numbers everyday. Comenity bank is the ones harassing me.