davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-11-30
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. (MA)

The victim discovered on XX/XX/XXXX on her Experian credit report a fraudulenXXXX XXXX XXXX XXXXXXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

MOHELA has repeatedly failed to abide by the federal statutes and regulations surrounding debt collection and the rights of debtors. This is an ongoing issue that they seem to have no interest in correcting. 

In XXXX of XXXX, they failed to send billing statements with the legally required 20 days notice. I was able to make my payment, but only barely, as I only had 3 days notice that payments were resuming. 

In XXXX of XXXX, the same thing occurred. They failed to provide notice for the resumption payment dates, and I barely made my payment with only 5 days notice. 

In XXXX of XXXX, they became even more blatant. On XX/XX/XXXX, I made a payment in the amount owed of {$250.00}. On XX/XX/XXXX, MOHELA sent me a message declining the payment and stating that I was past due. 

Now, they are attempting to double-charge me by refusing to accept the payment unless it is coupled with XXXX payment.
Consumer complaint received 2022-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-15
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  Last reported XX/XX/XXXX {$630.00} Open balance XXXX XXXX XXXX XXXX USA XXXX A XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX USA XXXX A
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (IN)

Radius Global Solution added a collection account to my credit report for {$740.00} on XX/XX/XXXX. They updated the account on XX/XX/XXXX. I have not been contacted in anyway about this debt and I do not believe this debt is valid. There is no information on my report about this debt other that the original creditor and the agency that bought the debt. It does not have any information that would tie the debt to my name.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Ocwen is the servicer handling my Mortgage Loan. Because of the various hardships, already mentioned in my hardship letter and various other communications, I fell behind on my Mortgage payments. 

Hence I have submitted an application for a Short Sale. I understand my 3rd Party has submitted all the necessary documents to Ocwen and they have acknowledged it as well.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Usaa has listed a car loan I had with them as charged off and I paid the full amount owed. The car was XXXX  and I had full coverage with XXXX  insurance usaa was my lender and my insurance company after my past XXXX totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my XXXX XXXX a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a XXXX of a company causing me much XXXX and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a usaa victim of theirs
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: P&B Capital Group, LLC (TX)

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (AK)

Funded on XXXX XXXX paid out same day the bank account name XXXX XXXX XXXX and account number XXXX is dont have record tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thats my complete name but there someone cashout using my name but i dont have already bank account i use my gruebd bank account so please refund my payment itge details is not valid again i dont have XXXX acount XXXX!
Consumer complaint received 2020-01-27
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. (NJ)

Dear cfpb I have 2 closed mortgages that are not mines XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX   XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am writing to file a formal complaint regarding a collection charge off account associated with my XXXX XXXX XXXX and account number ending in XXXX and XXXX which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 2 ) ( a ) ( i ). It has come to my attention that Capital One has failed to adhere to legal obligations concerning the treatment of charged off accounts and the provision of necessary tax documentation. 

Under the FCRA, a charge off is considered income for the consumer and is subject to specific regulations, including the issuance of a Form 1099-C to the consumer for tax purposes. Despite the charge off of my account, I have not received any Form 1099-C from Capital One, as required by law. This failure to provide necessary tax documentation is a direct violation of my rights under federal law. 

Furthermore, the absence of proper documentation regarding the charge off account raises concerns about the accuracy and completeness of Capital One 's reporting to credit bureaus. As a consumer, I have the right to accurate and fair reporting of my credit information, and the failure to provide essential documentation undermines this right.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MO)

on XX/XX/XXXX, i wrote to Wells Fargo/XXXX in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/year>. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off XXXX time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with Wells Fargo/XXXX XXXX Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Consumer complaint received 2023-03-23
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: WELLS FARGO & COMPANY (PA)

Well Fargo has closed the account do to fraudulent activity in which they investigated and provided documents that I was not responsible for those charges the charges took place in XXXX however they are still reporting late payments to the bureau! The late payments accumulate during the investigation and were payments requested from the Fraudulent charges! Those Late payments should be removed Also I was not responsible for payments made fraudulent Well Fargo letter states that I was credited back the money to my account but that account is closed so why wouldnt they credit the late fees I was a victim and the closed account is hindering my report along with these 90 days late payment reports I need it removed Immediately by Law its falsely reported I am not responsible for late fees in XXXX that accumulated from XXXX fraudulent transactions that Well Fargo credited back
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (FL)

The reporting of this account is in violation of the FCRA for the following reasons : XXXX. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. XXXX. ) This debit is being report as a payment. Charge- offs can not be reported as payments. XXXX. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my XXXX and Experian credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX  XXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the CFPB. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.
Consumer complaint received 2023-01-31
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. (TN)

Upon looking at my Experian credit report, I noticed that there is a chargeoff from XXXX XXXX reporting on my Experian credit report only. It has no balance due and the date of last activity on reporting to the credit bureaus was XX/XX/2016. This account is right at the XXXX  years statute of outdated reported times : XXXX XXXX : Account XXXX : XXXX Please delete this account for being outdated and inaccurate.
Consumer complaint received 2020-01-27
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. (TN)

I mailed in dispute letters to the three credit agencies XXXX, XXXX, and Experian to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

My checking account has been restricted due to a check that was written out to me for {$3000.00}. The person who wrote the check went to their bank and claimed the check was fraudulent, so their bank contacted my bank and a restriction was placed onto my account and the {$3000.00} was taken from my account. My bank made a decision to end all ties with me and to close my account. I understand they have that right. But its been over a year and many phone calls to my bank to lift that restriction so Im able to close my account and take my money out of my account. I tried speaking to someone today, I kept getting transfer to 3 different departments to resolve the issue and they came to a conclusion that I have to wait, they are not able to help me in anyway and told me to wait it out and the system may lift the restriction and close my account. They are not able to give me any timeline or even a number to contact, all I need to do is wait. When this all started they told me my account is under investigation, which takes 3 months. And every time I call them they just give me the runaround. Its been over a year, and now they tell me to keep waiting without any timeline or give me a number to anyone that can help me. It doesnt seem that my account was even looked at when they keep telling me its under investigation. All I want is to close my account so I can retrieve my money in my account. The {$3000.00} that was deposited in my account was already taken back and I resolved the issue with the check issuer about the matter. What can I do? Please is there anyway you can help.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

I purchased XXXX money orders from western union in the amount of {$500.00} each totaling {$2500.00} which was slated for XXXX money to purchase a home. I decided not to purchase the home and the XXXX money was refunded. However the place I purchased them, XXXX, stated they do not offer refunds. I contacted my bank, XXXX XXXX, to see if I could re-deposit them into my account and they said no. Both told me to contact western union directly. 

On XX/XX/2021 I put in a request for all XXXX money order refunds : XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

The verbiage stated I would be assessed {$15.00} each due to requesting a refund. I was told by customer service agent in the refunds department it would be XXXX business days before I received the refund by postal mail. 

Its been XXXX business days excluding holidays, and I have not received a refund. I chatted with customer service and they were of no help.
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am filing a complaint about Portfolio Recovery Associates, they are a third party debt collection agency that purchases debt that was already charged off by the lender and then contacts the debtor threatening them with legal action if they do not pay them the amount owed from the original debt plus their added fees. On several occasions I have asked them not to contact me on my cell phone, I have even gone so far as to block the number that they call from at that time but they have an unlimited amount of phone numbers that they use to work around being blocked. They not only call me but have contacted members of my family as well as neighbors in attempts to bully and intimidate anyone that they could in order to get paid on a debt that they have no contract with me for and was already settled with the original lender.