davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (FL)

I sent Equifax a dispute on their website disputing my XXXX XXXX car lease which they added a late payment for XXXX and the car was never late on XXXX i also added pictures as proof that car was paid and never late and they didnt remove the late payment which they are in direct violation
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

In XXXX of XXXX I leased a car through XXXX XXXX XXXX. Made all my payments on time and did everything I had to. In XXXX of XXXX I was informed that my lease had been acquired by XXXX. In XX/XX/XXXX after having a few issues with XXXX I decided to initiate the 2 week notice clause in my original terms. Because of incompetence from XXXX  and XXXX XXXX  it took longer than two weeks and I kept most email records and phone logs of my attempted communications with the. I kept on them and finally was able to be told where to drop the car off and that payments would cease. Because of XXXX  questionable management and potential malicious ineptitude I kept several communications saved along with names and numbers of supervisors I spoke to and a digital copy of the form showing I returned the car the vehicle on XX/XX/XXXX in case they ever tried to turn around and say owed anything else. I followed up and checked the payment portal and was told I did not owe anything and my access to the portal was closed because my account was closed. I kept the emails and the payment portal emails stopped in XX/XX/XXXX and the final correspondence I ever got was an email that vehicle maintenance was due in XX/XX/XXXX for a vehicle I returned in XXXX. The terms of the lease were held and I never heard anything else from XXXX. Today XX/XX/XXXX I get a credit notification that a negative report that I owe {$3500.00} to Recievables Performance. I have never heard of that company, and I dont have any unpaid debt so I did some research online and found out the info about former XXXX XXXX customers being sent unsubstantiated collections requests. I fully believe Receivables Performance is trying to collect a false debt that I was never even informed of until I got a credit monitoring report showing my credit score has plummeted XXXX points. I saw on some online forums that the consumer finance board should be informed and potentially hire an attorney. As stated I have emails, photos and digital proof I returned that vehicle and owed further debt on it.
Consumer complaint received 2019-06-29
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. (CA)

Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate.. 
XXXX XXXX
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (AZ)

MY NAME IS XXXX XXXX I LIVE AT XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. IM TRYING TO FIGURE OUT WHY THE PERSON I LIVE WITH IS COLLECTING MY BENEFITS, AND HOW LONG HAS THIS BEEN GOING ON? YOU SHOULDN'T NEED ANY PROOF THE CARDS ARE ADVERTISED ON YOUR WEBSITE.I WOULD APPRECIATE IF YOU FIX THIS SITUATION ASAP.
Consumer complaint received 2023-06-22
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX After many odds job, in XX/XX/XXXX, I enrolled XXXX XXXX XXXX to learn about XXXX XXXX  with the hope that after graduation I would easily find a good job. My major was XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, XXXX XXXX was forced to close down due to fraud activities in a long period of time, plus the teaching quality and curriculum were too out-dated because of their greed. I was in despair for months. As a student I did not know anything about it until the college closed down. I was completely disoriented for a while. However, I could not let my XXXX years of study go easily. I slowly regained my spirit and determination to complete the program I was studying. I tried to transfer my credits to another college, but I was not able to find any college in XXXX XXXX where I live that would accept me or that I could afford to attend. Finally, I found XXXX XXXX in XXXX that accepts my credits from XXXX XXXX. Because I was almost graduate from XXXX XXXX and able to transfer a large portion of credits from there, I only needed to study online in XXXX year ( XXXX ) to complete XXXX XXXX  XXXX XXXX program and graduated from XXXX XXXX XXXX 
However, XXXX XXXX teaching quality made my knowledge crippled, plus because of study online I did not have any support in terms of job placement in XXXX XXXX. I went to a lot of interviews, I even got into the 2nd or 3rd round of recruitment, but in the end I still lost to the candidates who graduated from universities around here. In the midst of extreme disappointment, I was hired by XXXX XXXX to work as an XXXX XXXX, a profession that I do until now with a minimum wage and only requires being a high school graduate to work. Nothing good in return to me after XXXX years of study, except that I have to bear big student loans totaled {$39000.00} ( it was much higher and I paid it down ) in which about {$31000.00} from XXXX XXXX and {$8500.00} from XXXX XXXX Eventually, it was my big mistake to transfer credits to XXXX XXXX  but I did not have a second choice at that time. 
Please help me to get all of my student loans discharged or at least {$31000.00} from XXXX XXXX. I simply can not afford to pay these loans due to my salary level and the expenses of living in XXXX XXXX. I am a victim of an unqualified college which was controlled by the Department of Education. 
Thank you for reading this letter. I really hope you will help me get out of this terrible situation. Please do not hesitate to contact me for further questions. 
Note : In XX/XX/XXXX, I already contacted Mohela ( before it was XXXX ) about this matter but I got rejected.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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

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

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am trying to link my Capital One checking account to my XXXX XXXX monitoring service and Capital one is blocking external applications I'm being told by XXXX XXXX.
Consumer complaint received 2022-01-25
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: Pendrick Capital Partners (CO)

I sent the company a validation of debt to prove that the alleged debt they say I owe belongs to me and they sent me back a couple of bills and I dont recall any services with this company and theyre reporting the debt on my consumer report by this company illegal action this a clear HIPAA violation and identity theft since I never gave the company permission to put anything on my consumer report
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This is a reoccurring problem with XXXX and Transunion allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an apartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my bankruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with XXXX. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection. In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also XXXX and Transunion need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (ME)

I went with Amerisave to refinance my mortgage without escrow costs, pay off some credit cards. I was told this would be a easy process as my credit score was excellent, I had enough equity in home, They were past difficult after I gave them {$500.00} - my loan officer barely returned my calls, I repeatedly got emails asking for more and more documents and the same documents I have already submitted. I found out through the backdoor that the {$500.00} was subtracted from the closing costs ( I was never told that ). It got so frustrating and my loan officer actually got hostile when I asked questions and said I wouldn't sign documents until I got answers which I never did. They sent me an email asking for proof of a XX/XX/2021 payment on my mortgage. I never made a late payment or missed a payment, Called my current mortgage provider and they had nothing on my account reflecting that. I asked Amerisave to send me copies of the credit reports they received and they said it was illegal. It is not - the Fair Credit Reporting Act lets them send them to you. She also said nothing in her email said anything about a missed or late payment ( which it does ), This company needs a class action lawsuit against them as they have scammed many potential borrowers, asked for documents that are not relevant to the closing. I can't believe I was soooo scammed by this company
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount Capital Group, Inc. (NY)

I went to trucking school, XXXX  XXXX. The tuition was {$6000.00}, This contract was made with XXXX  XXXX and myself. My payments were being taken out of my earnings weekly by XXXX  XXXX to cover my tuition. Fast forward 4 months later. Im no longer employed by XXXX  XXXX. Upon checking my credit report I noticed a company by the name of Paramont Capital Group listing a loan on my credit file. I had not received any calls other then a email from this company with a attached bill the same month two consecutive payments were reported late. I had no knowledge of this company prior to my findings and upon research, I checked with my local and state, XXXX XXXX XXXX New York, lending licensing departments and discovered this company was not a licensed lender or debt collector in my state.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

In late XX/XX/XXXX, I scheduled payment through their website on XX/XX/XXXX to avoid late fees. The system accepted my request and showed the same on the screen. However, unbeknownst to me ( and without my action or permission ), Flagstar just changed the date to XX/XX/XXXX so as to charge me their late fee. This was some kind of technical error on Flagstar 's fault.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and Transunion credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Company closed my account and unable to respond to my legal claims .. ignoring me for years and trying to get a answer of when they will send a message or emails to my XXXX  attorneys.. they closed my southwest chase credit card because I dont have enough credit which is stupid I dont like to have lots of credit cards in my wallet that leads to serious debts .. and second they increase my credit limit too high without my permission and checked my credit report without my permission.. now I made payments on this card and I want my money returned to me.. otherwise I will contact my third party attorneys.. chase and XXXX XXXX has my money.. I made my payments from XXXX XXXXXXXX and send it to chase bank neither of these companies refused to return my money I paid for and closes my accounts
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

The Bureaus   XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX This Company needs to seize and be charged for criminal activities with the purpose of obtain financial reward This company keeps flagging a collection into my credit report with XXXX  that is not mine from XXXX  XXXX. 
All credit cards I have had in the past years ago with XXXX XXXX have being paid and settled. 
I have not recently applied for any cards or have had an open account or had and open account with XXXX XXXX recently!! 
THIS NEEDS TO STOP! 
This false account must be remove from my credit ASAP
Consumer complaint received 2019-06-29
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. (IL)

These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXXK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I DID NOT applied to any of the cards noted below : 1 ) On XX/XX/2018,  received a letter from XXXX 's informing me that credit card application is denied. The reason given is " too many credit bureau inquiries ''. The cards are for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Credit Card. The credit bureau is Experian. ( Please see # 1 ) 2 ) Also, on XX/XX/2018, received a letter from Bloomingdales 's informing me that credit card application is denied. The reason given is " because you were recently declined ''. The cards are for Bloomindales 's American Express Credit Card and Bloomingdale 's Credit Card. The credit bureau is XXXX. ( Please see # 2 ) Please note that the address is wrong. 

3 ) On XX/XX/2018 I received a letter from Bloomingdales again informing me that credit card application is denied. The reason this time is " Unable to verify identity information ''. The credit bureau is XXXX. ( Please see # 3 ) Please note that my last name and the address is wrong.
Consumer complaint received 2018-07-11
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: NAVY FEDERAL CREDIT UNION (NC)

I have already contacted Navy Federal Bank several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2022-04-09
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: Resurgent Capital Services L.P. (GA)

Good Evening, I received a letter in the mail this afternoon XX/XX/XXXX which was from my current employer. When I opened the envelope there was a letter that stated my company was served with a court order to withhold a portion of my wages. The request comes from a company named LVNV Funding, LLC- XXXX XXXX XXXX XXXX XXXX 

However, I was never served with a subpoena or any legal notice regarding the case against me, nor a debt validation letter stating this is mine. From documents provided through my employer, an attorney was granted a default judgment on XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX. I also noticed that the address they had for me was an old po box , but they had all the resources and information to find me at my current job which isn't public information. Therefore, what's the difference from using those tools to locate me on my job in XXXX, and not using them to locate me in XXXX to give me legal notice? 

Also, in XXXX I was recovering from XXXX XXXX which I was diagnosed with in XXXX of XXXX. During those years my finances took a huge hit as well as my health and I supported myself with my XXXX check. ( I will provide my medical records ) I feel I wasn't given fair treatment or an opportunity to speak on my behalf or work on an agreement before it went this far. My rights were taken from me. Now I'm faced with having my wages garnished without being given the right of representation. And, failure to do so has now cost me additional fees ( court fees and attorney fees, etc ) that would not have applied if I was given my legal right to be notified.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (CA)

I have two student loans with Aidvantage formerly Navient. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called Aidvantage on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of Aidvantage and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of Aidvantage.