davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (NC)

I do not know what is going on here with all of the loans that are being taking out. Such as for room and board, housing, food, transportation, personal expenses. I told the school, and Aidvatage company to send back any money that was not being used for my tuition and fees, I have not received a XXXX from this school, or the loan company. I do not want any of the loan money that I have to re-pay back that I did not request. There has been several disbursements from the loan company that was supposed to be mailed out on certain dates that I was not informed about until I looked at the account and was never delivered to me. The amount of money changes quite a bit, I was charged over {$5000.00} for room and board just for a 10 week term. Every 10 week term, I am being charged for personal expenses, transportation, housing, food, etc. Where is the money at? and where is it going? I get pell grants, scholarships, I got enough to cover my full tuition. I get fafsa for low income. I do not live on campus and therefore do not need money for any sort of housing allowance. 


XX/XX/23 Direct Subsidized- {$4500.00} XX/XX/23 XXXX XX/XX/23 {$1500.00} XX/XX/23 {$1500.00} Unsubsidized XX/XX/23 {$350.00} XX/XX/23 {$840.00} Direct subsidized XX/XX/23 {$1000.00} Direct unsubsidized XX/XX/23 {$2300.00}
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

I made numerous attempts on numerous occacions to discharge my debt of my XXXX XXXX XXXX sent documents as well my security to the indentured trustee of my security which is bank of New York Mellon. I havent gotten a notice of dishonor or any response from the company i also sent those documents to XXXX XXXX same thing no response. Im well aware that the indenture trustee has duties and responsibilities in accordance to 15 usc XXXX and the trustee indenture Act 1939 and the securities Act of 1934. failure to adhere to these administrative duties results in disciplinary action.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (GA)

Late payment of concern : XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the late payments on my account. I have been a conscientious customer with your company since XX/XX/XXXX, and I am reaching out to request your understanding and assistance during these unprecedented times. 

Due to the economic challenges brought about by the pandemic, I unfortunately experienced a job loss, leading to the depletion of my savings as I navigated this difficult period. As a result, I encountered difficulty in making timely payments on my account with your company. 

I want to emphasize that I have made numerous attempts to address this issue by reaching out to your customer service through phone calls and written correspondence. Despite my efforts, I have not been able to find a resolution or receive guidance on how to navigate my financial hardships in relation to my account. 

I kindly request your understanding and compassion in considering the circumstances that led to the late payments. I am seeking your assistance in removing the late payment entries from my credit report, as I am actively working to stabilize my financial situation. 

I understand the importance of meeting financial obligations, and I am committed to restoring my account to good standing. However, I believe that the removal of these late payment notations would greatly alleviate the impact of this challenging period on my credit history.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

I contact XXXX XXXX Credence Resource Management regarding a collection account showing on my credit regarding a bill of {$370.00}. I called the collection agency and the creditor and provided them with the police report filed. Advised them that I have been a victim of identity theft since 2018 and neither company has updated my file or credit report. No one called me back as promised regarding the results and if additional information was needed.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX, XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report.
Consumer complaint received 2023-03-18
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. (SC)

XXXX hasn't changed my credit score and accounts are incorrect on my credit report. For three months, I have been unable to get my credit scores or report correct. All three credit bureaus have received information from my creditors and they have not changed anything on my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC. XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PR)

I had a XXXX XXXX an purchased some earrings ( XXXX ) on or about XXXX or XXXX these items were never received by me being signing from a shipping company or any proof of signature, seems like the items were left unattended at the front door someone may have taken them, as I received E-mail that items were delivered check my mail box which was a XXXX XXXX but items were not there called XXXX an disputed the items an explained I never received them also requested a Credit from them never did. 
The items seemed to have been left at the front door with no signature to receive the package
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Carvana Group, LLC (GA)

I contacted Carvana on numerous occasions because someone was using my identity to apply for a vehicle with my lost ID, SSN card, and email address. My email was hacked and my identity was sold in 2018. I filed a police report and still have been dealing with some fraudulent activities so I have updated my police report since then. I then. I tried to apply for a car last year but was declined due to fraud. I contacted the company and sent a police report but nothing has been done to rectify the issue.
Consumer complaint received 2023-12-21
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)

Dear Sir or Madam, My name is XXXX XXXX, please contact XXXX credit reporting agency on my behalf. 

I contacted a representative from the fraud department to correct my personal information and reported my privacy has been violated. 
XXXX XXXX is my name. I should have only my ( 1 ) Name and ( 1 ) address on my credit report to verify my personal identity.

I do not use or not know by other names or addresses to verify my personal identity.

Over " 18 " hard inquiries conducted without my authorization. I need to emphasize numerous inquiries with out permissible cause with the same financial institution certianly are red flags and should have been immediately addressed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adverse action need to be taken to correct the errors on my credit report. The credit reporting agencies have been exposed for violating Federal Laws to protect customers rights. In addition, the banking system and financial institutions should accurately and fairly protect consumers privacy and rights. 
I did not authorize in writing or digital form permissible cause to share or inquire my personal information. 

Thank you in advance for your assistance and considering my requests. I will govern myself accordingly. 
Sincerely, - XXXX XXXX
Consumer complaint received 2023-02-06
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (GA)

Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of today, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (GA)

Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of XXXX, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of XXXX, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WA)

Since last fall I have sent Freedom Mortgage numerous documents that they have requested, requesting hardship status and requesting loss mitigation. I continually get notices for the same paperwork, documentation that I previously sent and even updated my bank statements and updated wage information. To this date they have not even reached out to me and not let me know why I consistently need to send the same paperwork. I feel I am in a catch 22 of sending documentation over and over with no resolution. 

I would me more than happy to send all the documentation to you to show you what I have sent.
Consumer complaint received 2024-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (UT)

I lost my job and I got a XXXX  XXXX  in XX/XX/year> from PNC where I could stay 6 months without doing payments. 
Even when I'm still unemployed and I've to leave the country ( I'm a XXXX XXXX  ) I have paid since XXXX, I'm seeing in the website : Payment Due Date:XXXX and they sent letters to my house about delinquency and foreclosure. 
It's not the first time I've issues with this bank making any process extremely slow and bureaucratic. Being out of the country haven't allowed me to send faxes easily as they want and reaching them by email is impossible. Also with a big effort I have tried to reach them by phone, but they move the call to different people and after 30 minutes normally the phone call is terminated without any solution.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NY)

On XX/XX/XXXX a process server served my cousin outside of my home, while I was home. He was given paperwork for a lawsuit from Pressler, Felt and Warsaw LLP. The paperwork was filed with the court on XX/XX/XXXX ( dated on the paperwork ) and it was received by the court on XX/XX/XXXX. I had absolutely no communication from anyone about the debt before my cousin being served. I wasnt given any chance to settle the debt. It isnt on my credit report. Debt collectors can not file lawsuits against debtors without notifying them beforehand or giving them a chance to settle it. The original debt looks to be {$490.00} ( it is blurry and I can not see it in the paperwork ). They are suing me for {$810.00}. There is absolutely no breakdown of the additional charges. Pressler, Felt and Warsaw, LLP has violated the law ( s ) with this situation and I want them investigated.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I received notice of a lawsuit by Mulloonly, Jeffrey, Rooney & Flynn LLP representing XXXX  XXXX XXXX. I filed an answer and met with XXXX XXXX XXXX ( partner in the law firm ) and explained that due to my medical conditions I had to take early Social Security and am receiving XXXX XXXX monthly and barely making enough to survive. I explained that my income prior to me taking social security was over {$80000.00}. I offered to settle for {$2000.00} @ XXXX XXXX monthly, XXXX XXXX denied the request stating XXXX  XXXX XXXX wants payment in full which he could break into 4 payments. I explained that my only income is Social Security and gave him a copy of my statement. I also explained that these are exempt funds and cant be attached. His reponse was my client wants a judgment. He said he would present a hardship to his client and the court gave us a return date of XX/XX/2024. The law firm file Motion for Summary Judgment and didnt respond back about the hardship presented to their client XXXX  XXXX XXXX XXXX 
I feel that this was deceptive and that both the law firm and XXXX  XXXX XXXX should be sanctioned by the CFPB. 
Thank you for your time and consideration
Consumer complaint received 2023-12-21
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-01-09
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: JPMORGAN CHASE & CO. (IN)

no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank is reporting my last payment made to them was in XXXX. This is inaccurate, last payment made to them was around XXXX. This should already be off my credit report. By reporting my last payment was XXXX pushes my XXXX retention back to XXXX. This is keeping me from obtaining credit. I've had no contact of any kind with chase since XXXX.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (SC)

Dear CFPB, I am writing to file a complaint against XXXX, XXXX, and XXXX regarding inaccurate and illegal reporting on my credit reports. 

The account in question is XXXXXXXX XXXX Account # XXXX. The inaccuracies are as follows : XXXX is reporting this collection as an " Open '' account, while XXXX is reporting it as " Closed. '' The last activity date for this account is reported differently across the three credit bureaus : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

XXXX has not marked this account as " Disputed '' by the consumer, while both XXXX and XXXX have done so as of XX/XX/XXXX. 

Additionally, this account appears to be a case of debt parking, where a debt is reported to credit bureaus without prior notification to the consumer. Debt parking is a deceptive practice that is illegal under the Fair Debt Collection Practices Act ( FDCPA ), as it damages consumers ' credit reports without proper verification or notice. 

I mailed this dispute to all three credit bureaus on XX/XX/XXXX. 

I request that the CFPB investigate these inaccuracies and the illegal practice of debt parking by the credit reporting agencies. This account should be removed from my credit report for these actions have negatively impacted my credit score and financial well-being. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bull City Financial Solutions, Inc (SC)

Someone did fraudulent activity in my name with this loan. I had no knowledge of this account. I reported Identity Theft to all credit bureaus, and I don't know any other actions to take with this situation since I did an Identity theft report. I ask for this to be removed from my credit report because I have no knowledge of this account.