davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2009 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see 30 days late marks in a different dates which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (TX)

I tried to tell them having trouble making payments. Gotten behind and paying what ever I can. They will call 6 to 10 a day. Blowing up my cell or calling my job. I have asked both to stop no use. Won't stop.
Consumer complaint received 2018-05-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : Portfolio Recovery XXXX XXXX account number unlnown XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AK)

I logged onto my online banking app on XX/XX/22 to find that {$270.00} had been transferred out of my savings account at roughly XXXX via XXXX without my authorization. I notified the Wells Fargo Fraud Claims department of this and, they issued a temporary credit while they looked into this matter. On XX/XX/22 my claim was reversed, so I called Wells Fargo to find out why my claim was denied. The claims worker informed me that the claim had been reversed as they claimed that the transfer originated from my fiance 's phone, even though I have never once logged into Wells Fargo using her phone, and there would be no way for her to know my login information, as for security reasons, I am the only one that knows the login information for my account.
Consumer complaint received 2021-05-05
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. (NC)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

My federal student loans were handled by Nelnet before they were transferred to XXXX. While with Nelnet I tried to make payments to my student loans. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX. I was told I was not allowed to make payments to my student loans at that time because I was still a student as well. At the time I had the financial means to do so, but Nelnet insisted I was not allowed to and stonewalled me. I have completed over 10 years in XXXX XXXX and additional time in the XXXX XXXX. My loans are federal and I am part of XXXX. I believe my loans would be either already be forgiven or with the legislation they would be eligible. 

Thank you.
Consumer complaint received 2021-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I sent like XXXX days ago court prove of the fraudulent charges committed by XXXX XXXX to Experian, Experian just received the documents and I was last paper work yesterday and and Called today Experian to follow up to see if they received the documents, they didnt even review the documents and in last than XXXX day they took off the dispute that is what Experian call a real investigation? 
That dont a investigation that is violation of the credit act Nobody cant do any investigation just a 3 days or 1 day and not telling me anything I dont believe this investigation at all About XXXX XXXX and Experian keep posting that is accurate
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOV ASSOC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOV ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOV ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOV ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where PORTFOLIO RECOV ASSOC is in compliance with OHIO LAW. I also have a report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOV ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  XXXX XXXX XXXX. # XXXX  BAL {$660.00}
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am, XXXX XXXX submitting this complaint against Equifax and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Equifax has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EQUIFAX NOT WRITTEN CONSENT!!!!!!!!!
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (TX)

Equifax and XXXX  shows inquiries on my credit report that I dont recognize from XXXX XXXX dates are as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and one inquiry from XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

I had signed up with a debt consolidation company back in 2018. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company XXXX XXXX XXXX XXXX They are no longer in business and one of the owners of the company is in XXXX I am trying to get XXXX XXXX and Discover off my credit report.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing this due to non-complaince with the XXXX XXXX  XXXX Experean, XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I am writing this due to non-complaince with the CRA ( XXXX, XXXX, XXXX ). 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (KY)

On XX/XX/XXXX a company called XXXX deducted 6 fraudulent transactions from my account ; 3 charges of {$120.00} and 3 charges of {$490.00} totaling {$1800.00}, for a company called XXXX. XXXX is a company that you can use when shopping online. They partner with online retail stores and allow you to break up your payments at check out, instead of paying one lump sum. I've used XXXX in the past when making purchases through XXXX XXXX XXXX. They have your debit card on file to deduct the weekly payments from your account. When I found the charges on my account I immediately contacted XXXX and disputed them. Within a few days they refunded the 3 charges of {$120.00}, but I've been unsuccessful in getting the other 3 charges back. I have reached out to them numerous times, requesting calls from supervisors, but have failed to receive a call back. I've been told by the reps through the chat option that the charges have been marked as non authorized. One rep then advised me they did not see that I was charged the 3 charges of {$490.00}. I've sent screenshots to them for proof, but still no refund. I filed disputes with my bank ( PNC Bank ), on XX/XX/XXXX and around XX/XX/XXXX, and they denied the disputes, because I have done previous business with XXXX. Today I reached out to XXXX via email and was advised that I need to reach out to my bank and file a dispute. I have also filed a dispute with the XXXX  for XXXX, and they ( XXXX XXXX replied stating that the dispute is still open and they can not refund the money until the merchant XXXX XXXX XXXX has refunded them. So they will not refund me until XXXX had refunded them. No one is taking accountability for this. I have never heard of XXXX, prior to this, nor have I ever done any sort of business with them. I am at a total loss and feel robbed of {$1500.00}. Please help!
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CADENCE BANCORPORATION (AL)

I enlisted the service of Cadence bank starting in XX/XX/2020 in order to make a transfer of XXXX USD in order to finish paying for a property purchase in XXXX. After four failed transfer attempts ( this string of disasters has been documented with the XXXX XXXX  over the course of approximately six months and almost losing the property due to Cadences inability to fulfill any of the four wire transfers to the XXXX XXXX bank account, I was forced to threaten legal action property purchase be lost. On the fifth attempt, the transfer was successful, which marks the beginning of the complaint that I am now submitting. 
Upon reviewing my Cadence account from which the XXXX XXXX was to be taken, I noticed two things which constitute the bulk of this complaint. Firstly, I had been charged wire transfer fees for each transfer attempt. I do not accept paying for four transfer fees that were never completed. The contact at the bank, XXXX, indicated that I must shoulder these fees due to the fact that despite the outcome, wire work had been performed and therefore I was responsible for these fees. I do not agree ; I did not receive the intended outcome for the service I ostensibly paid for, therefore I should not have to shoulder those fees ( the four failed transfer fees total XXXX USD ). I am obviously willing to pay for the one successful transfer, but not for five. 
Secondly, the amount which was taken out of my account totaled XXXX USD. I only authorised a transfer of XXXX. Upon questioning XXXX, she could not provide me with an answer ( the common response from Cadence is I am asking department X, Y or Z about it but subsequently do not receive any acceptable answer to my questions ). 
Essentially, after four failed international transfer attempts, Cadence has additionally 1 ) transferred more money that I authorised and 2 ) charged me for services that were not provided. 
I have sent an email to XXXX on XX/XX/XXXX explaining my position on these two points, but have not yet received a response from her. After 6+ months of dealing with XXXX XXXX from Cadence, I am understandably reluctant to wait any longer.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a CapitalOne Platinum card where I have a $XXXX minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up when I first received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the company via mail. I do all of my communication with the credit card companies through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my CapitalOne Platinum credit card account for the month of XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the company was sending me to go to my old address. This cut off all communication with me and the company and I was unaware that I was missing a payment until an associate at CapitalOne called me in XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the company.
Consumer complaint received 2021-12-02
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. (IL)

THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. 

I am aware that a consumer reporting agency can only report collections and charged to profit and loss accounts for a 7 year period only to items in a consumer file according to 15 USC 1681c ( c ) ( please find law attached ). I am aware that a consumer file and a consumer report are not the same documents according to federal law ( please find terms defined below ). 

With that being said because I am now aware the 7 year reporting period of collection and charge off 's doesn't apply to a CONSUMER REPORT and only to a consumer 's FILE I am demanding that you REMOVE the following collection and charges off 's from my Consumer Report immediately. 

XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off XXXX XXXX XXXX XXXX Account # XXXX - Charge Off XXXX XXXX XXXX XXXX XXXX Account # XXXX - Charge Off Once these account are removed from my consumer report, I am requesting a copy of my Consumer Report mailed to me, NOT my consumer FILE.
Consumer complaint received 2021-05-06
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. (MD)

These credit reporting agencies are using these excuses to stall deleting the erroneous information on my accounts. 

On XX/XX/XXXX of this year, I mailed letters showing the erroneous reports. 
On XX/XX/XXXX, I sent information to CFPB to show that all XXXX cra 's had taken XXXX months and still not responded. 
On XX/XX/XXXX they have yet to delete these erroneous items on my report. THIS IS RIDICULOUS. Below is their latest stalling tactic. 

This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 CFPB XXXX ( XXXX ) XXXX consumerfinance.gov This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021
Consumer complaint received 2018-10-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Complaint is hereby made at the adjustment in interest rate being charged. We closed on our reverse mortgage XX/XX/XXXX and the interest rate was set at 4.48500 %. On XX/XX/XXXX, the interest rate was raised to 6.010 % effective XX/XX/XXXX. The current advertised rate for reverse mortgages is in 4+ % rate and this amount is unreasonable.
Consumer complaint received 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

In XX/XX/2018, Bayview acquired the loan on my home from XXXX. When I contacted Bayview via phone on XXXX XX/XX/2018, after having already spoken to XXXX, I was informed I would have a 60-day grace period before my first payment with Bayview. Evidently, this was not the case. I filed a complaint with CFPB to obtain assistance with resolving the issue and began paying the arrearages. As I had stated in my previous complaint, I had been unemployed for several months the previous fall and had fallen two months behind on payments when Bayview acquired the loan. By XX/XX/2018, my employment was steady and I was able to make additional payments. Between XX/XX/XXXX and XX/XX/2018, I made four payments to bring the mortgage current and pay the two arrearage payments. The statement attached shows a payment made to XXXX in XX/XX/XXXX, as well as the payments I have made to Bayview. I am confused how Bayview can hold my payments in suspension, changing the monthly payment due from {$400.00} ( XXXX ) to {$430.00} ( Bayview ) without signed documentation, or at least a refinance / modification request. After much research, I found that Bayview was fined and found at fault with another mortgagee who attempted, in good faith, to work with Bayview, but the appellate court found Bayview to have engaged in " deceptive '' practices. This is why I need the assistance of the CFPB.