davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC (WA)

On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX 7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is w On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX  7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is wrong and every phone call leads to an automated system. It is reporting derogatory on my credit and I cant even try to resolve it, due to the fact that they are not getting back with me. Can you please help? I have reported this to the attorneys general office as well as the better bussines bureau. At this point, j think I may need to get an attorney. 

Thank you XXXX
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested for derogatory accounts to be verified on first round and validated second round and neither action was taken. they failed to fully validate the accounts. I requested method of verification and copies of full and signed contracts and they did not produce either items.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX XXXX  - Account NumberXXXX Please investigate and delete from my credit report.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

Numerous past CFPB complaints filed regarding missing funds from combined accounts including checking, savings, money market totaling the amount of {$140.00} from Discover Bank. As explained prior, Discover sent funds to XXXX XXXX as part of fraud claim in amount of {$690.00} several months ago in 2021. The amount does not cover claim and according to several reps in XXXX XXXX executive office, the check was not cashed, rejected back to Discover, XXXX XXXX does not accept partial payments such as this amount, {$140.00}. I attempted to explain this to XXXX with Discover Bank executive office, he claims instructions from XXXX XXXX show remaining funds in account ( XXXX ) with Discover to be sent to XXXX XXXX which does not match up with what XXXX XXXX in XXXX XXXX executive office stated, XXXX XXXX does not accept partial payments and check was rejected back to Discover, as stated prior ... XXXX  stated another check could be sent, in which case, I advised it would also not cash as is the same with prior check sent.. XXXX  and I talked in circles in re, I then made numerous attempts to speak with a manager in charge, numerous messages left with XXXX and XXXX, none returned... When I followed up, XXXX attempted to refer me to XXXX and or provide his number in which case, I attempted again to reach a manager by requesting one and leaving a message.. Numerous additional attempts were made to speak with a manager, additional messages left with XXXX as well... Most recently, I was able to get in touch with XXXX, a manager, unfortunately she referred me to current rep at the time handling CFPB complaint by the name of XXXX ... XXXXShe stated XXXX would reply in a few days ... Her reply stated a check in amount of {$140.00} was sent, however, it was not included in her reply.. Today, XXXX, I attempted to reach out to XXXX to confirm check sent and by which carrier either, XXXX, USPS XXXX XXXX XXXX etc XXXX I was told she is not in by XXXX, rep whom took call.. XXXX tried to imply check was expedited via XXXX in which case I advised I have no notification from XXXX showing a package or envelope from Discover Bank sent to me ... I am signed up for alerts with Fedex as well as UPS , when a package is sent or arriving, an email is sent showing me the name of shipper as well as tracking ID and expected delivery date... I've double checked and there is no package from Discover.. Needless to say, it appears information provided by XXXX is incorrect.
Consumer complaint received 2022-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I obtained a loan for {$19000.00} in 2003. I have been making payments since then. I have paid in principal {$18000.00}, Interest of {$8200.00} for a total of {$26000.00}. AES says that I still have a balance of {$18000.00}. I called several times and I do not have the dates, was also sent an amortization schedule as I requested and it is not correctly calculated. When I brought this up, they stated it is but could not explain how I have paid this much over 19 years and still owe the same amount I borrowed. AES encouraged me to file a complaint and this is what I am doing.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital One Spark Business Credit Card ( XXXX ). I requested the account to be closed sometime in XX/XX/XXXX. 

Without my knowledge and with no physical communication, Capital One re-billed my account on XX/XX/XXXX, seemingly for a dispute I filed. 

Then having no knowledge of this issue, a late fee of {$39.00} was billed to my account on XX/XX/XXXX. 

I only happened to notice the late fee on XX/XX/XXXX by chance and by logging into the account. 

I am demanding for Capital One to reimburse the late fee because there was XXXX communication and indication that I owed Capital One money. Usually, other credit card companies send any dispute related information or statements via mail. Under the impression that my account was already closed, I did not have any knowledge that I owed Capital One money, let alone a late fee.
Consumer complaint received 2022-01-19
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: Quality Asset Recovery LLC (PA)

I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. I am hoping that you take immediate and corrective action to address this issue in compliance with the FCRA. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE REPORTING COMPANY WRITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED.
Consumer complaint received 2020-07-09
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: SYNCHRONY FINANCIAL (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX, I had to file for bankruptcy ( ( Chapter XXXX ) due to my husbands illness. Since that time, Ive paid {$4500.00} per month to eradicate my debts. In XX/XX/XXXX, I eliminated my mortgage arrears while never missing a mortgage payment. After I eliminated the arrears, my former mortgage company, Wells Fargo, sold my loan to another company, XXXX XXXX XXXX. Wells Fargo Home Mortgage then erroneously filed a report stating that I was 150 days past due and was in foreclosure in XXXX, after the loan was sold. 

Since then, I entered into a contract and sold my house, while also entering into a contract to buy a new house. The proceeds from the sale of my house will allow me to eliminate the remaining debt, pay off my old mortgage and incur debt for the new home, all of which has been approved by the Federal Bankruptcy Judge. Unfortunately, the reporting of 150 days past due and foreclosure filed in XXXX by Wells Fargo is on my credit report and prevents me from qualifying for a FHA loan, despite proving there were no late payments and the house was not foreclosed on. 

Please help me! The tactics of Wells Fargo are duplicitous and erroneously incorrect. At this point, my husband and I may be without a home as of XX/XX/XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

In XX/XX/XXXX I was receiving phone calls from a number I did not recognize and no messages where left. I called the number and a representive stated I owed a balance and they would be placing a negative mark on my credit report if I did not pay the balance immediately. At which time I asked the representative for or a verification of debt from the company to be mailed to my residence and as of XX/XX/XXXX, I have yet to receive any verification of debt or anything regarding the debt. I want this removed from my credit report and never be placed on my credit report again. I do not owe the bill.
Consumer complaint received 2017-09-25
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MI)

Back in XX/XX/year>, I entered into a short-sale contract with a buyer. My realtor sent the paperwork to me to process the transaction with my two lenders. One of my lenders did their work. The other, Rushmore Servicing ( the third name of a company that keeps getting its license revoked by the state of Illinois ) is not responding to my realtor or attorney. If I call, they are rude and unprofessional. They refuse to tell me anything. They told me they could only talk with my attorney or realtor. 

I am struggling with XXXX and I am trying to avoid foreclosure. 

This lender- Rushmore Servicing- refuses to respond, or cooperate, and I believe they don't know how to contact the investor who controls my loan. 

Because they refuse to contact the investor or do anything, my main mortgage company has informed me that they will begin foreclosure on my home. 

I have a buyer who has patiently waited these past XXXX months. 

The lender doesn't seem like they have the paperwork on my loan. Please help me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The following accounts were used without my permission. It affects my credit file and finances. I am a victim of Identity Theft. I demand to remove the following accounts from my credit report!. 
XXXX. XXXX XXXX XXXX XXXX  Credit Card XXXX. XXXX XXXX Installment XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX MI ) Collection XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Collection XXXX. XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Credit Card XXXX. XXXXXXXX XXXX XXXX XXXX Charge account INQUIRIES : 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
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST (CA)

I called the main telephone number for Bank of the West on XX/XX/2021 to close my 2 checking accounts. one with a balance of {$160.00} and the other checking account with a balance of {$230.00}. I updated my address over the telephone from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NE XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX The local Bank of the West branch in XXXX, Nebraska closed both accounts and mailed a single check for {$390.00} to my old address. As of today XX/XX/2021 I have not received the check. I called the local Bank of the West branch on XX/XX/2021 and they told me thet no check could be reissued until XX/XX/2021. I need these funds now for bills. Thank you.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC. (ME)

I was the victim of 23 instances of fraudulent electronic withdrawals from my checking account between XX/XX/21 to XX/XX/21 for a total of {$11000.00}. The withdrawals said either -- Payment XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The bank account is held at Community Bank, NA in XXXX, Vermont. The bank phone number is XXXX and the address of the bank is XXXX XXXX XXXX, XXXX, VT XXXX. 

I have contacted the bank branch manager, the local police ( XXXX, Vermont ), and the FBI.
Consumer complaint received 2018-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I have been making payments for the last couple of years towards PSLF. However, the company seems to always be " processing '' these and still shows that I have no payments counting towards the 120 I will need to obtain forgiveness.

On multiple occasions, I have submitted paperwork to maintain my enrollment in  PSLF and was asked to submit it again. At one point, I submitted the SAME document completely filled in 7 different times. I even had a customer service representative tell me that they were requesting I send it again but that she could clearly see the 7 different documents submitted and that all were done correctly so she was unsure of why I needed to again.

After this, I began recording dates, names and ID numbers along with what the representative told me regarding my PSLF status. The detail document is attached below.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.