davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (TN)

I attended XXXX XXXX from XXXX. My student loans were disbursed by XXXX XXXX ASPIRE SERVICE CENTER AND XXXX XXXX XXXX XXXX beginning in XXXX. I filed for bankruptcy to which XXXX XXXX XXXX XXXX/Aspire filed a claim in my case. They filed a claim on XX/XX/XXXX for the amount of {$23000.00} with the court and was paid through the court system. XXXX XXXXAspire was acquired by XXXX XXXXXX/XX/XXXX XXXX When my case was discharged, Aspire began trying to collect from me under XXXXAspire for the amount the court did not pay through the case. When I spoke on the phone with several representatives previously with the last one being today, different things have been told to me. The rep today ( XX/XX/XXXX ) told me that payments have not been made and that they did not file a case in a bankruptcy, so I sent her the printout from the XXXX to show proof of payment. She then found the payments in their system but stated that they pulled the debt back and billed it under the gaurantor which is XXXX. XXXX was not the guarantor when XXXX XXXX/Aspire filed the claim in the case on XX/XX/XXXX, they did not become the guarantor until XX/XX/XXXX to which at that time Aspire had already began receiving payments from the court. Payments were made by the court on the following dates below : They are now trying to make me pay for the loans under the new owner when they filed a claim and were paid under the old owner. Thank you for your help, Date Check Number Name of Party Description Payment Amount Total XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$120.00} {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$5100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$4700.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$480.00} {$3900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT PAID TO CREDITOR {$390.00} {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$480.00} {$1300.00} XX/XX/XXXX XXXX GXXXX XXXX XXXX XXXX XXXX XXXXMOUNT PAID TO CREDITOR {$390.00} {$880.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$390.00} {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT PAID TO CREDITOR {$100.00} {$100.00}
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ACCEPTANCE RENTALS, {$2000.00} XX/XX/2015 XXXX
Consumer complaint received 2024-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

How can a clear inaccuracy on a consumer report be verified? XXXX believes that I have been late however both XXXX and XXXX show no record of me being late on the account. My records do NOT indicate that I was ever late. See attached. I demand verifiable proof that I was ever late.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WI)

I owed a debt to XXXX XXXX in the amount of {$520.00}. The amount was sent to Credit Collection Services. Upon settling the debt yesterday, the amount was taken from my account, and the agency did not give me a receipt. I was able to take a screenshot of the account payment. XXXX has not been notified of the payment, I am concerned that this company fraudulently withdrew funds from my account.
Consumer complaint received 2023-03-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} I have already sent the required files to the FTC XXXX
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NM)

This payment of {$350.00} is the final payment on this undisclosed closed account facilitated over a year ago without any notice to customer. I am paying the final amount minus any interest due to failure of Chase to notify me of any changes in XXXX and XXXX. When I facilitated phone conversations with Chase, I was not told account closed and what was owed at the time as I made payments and then tried to use the card and was declined, I still did not receive notice account closed. I had 3-times notified Chase of address change from an apartment in XXXX to my residence address at XXXX XXXX XXXX XXXX XXXX NM XXXX. I now have received bills for 4 months indicating they did not change the address till XXXX. I am not responsible for lack of follow through on your departments failure to contact me in appropriate time to make the balance due at the time. Instead each month a new late charge was added to increase the closing bill with additional charges. That is the challenge I will follow up on with Chase Headquarters, Consumer Financial Protection Bureau, & FDIC. I find it disingenuous to never have my chase account listed on the credit bureaus during the time it was active and up to date on payment and now you are reporting it as a debt problem.
Consumer complaint received 2018-05-18
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: Credit Technology, Inc. (NC)

I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX  and XXXX and XXXX attachment is my police report for fraud
Consumer complaint received 2018-11-15
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

LANIER COLLECTON SERVICES maintain files under my Social Security number. 

Upon reviewing a copy of my credit reports, I see entry listings of {$74.00}, {$150.00}, {$47.00}, XXXX, {$98.00}. This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debt twice. I received the bills they sent to me, but no contracts and no validation or signatures. 

They must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

on XX/XX/XXXX I purchase a home, It had taken me about 3 years to save for the down payment and I was able to put down {$530000.00} on this property. In XX/XX/XXXX when the housing market started to crumble and many home value decline I fell behind on my mortgage. After a long court battle I was offer a modification. I did not realize at the time because it had been six years in court I was financially exhausted and mentally drain that JP Morgan Chase was putting a new mortgage that was more than three times the value of the property. At the time they were doing this, they had receive a $ XXXX TARP Bailout from the US Government, Additionally it was illegal to palace such a modification that was three times the value of the property.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC (NJ)

On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to eLoanWarehouse and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, eLoanWarehouse debited {$230.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Consumer complaint received 2022-07-12
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. (CA)

Transunion is reporting a XXXX XXXX filing on my credit report Ive never filed a XXXX  XXXX I started the process and it was withdrawn from the Bankruptcy CASE # XXXX was never finalized in United States Bankruptcy and it was Withdrawn.Yet Transunion is still reporting this error on my credit according FCRA THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED WITHIN 30 DAYS AND THIS HAS DRAGGED ON FOR OVER A YEAR.
Consumer complaint received 2024-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Sir/Madam, I am writing to address a recent inquiry made on my credit bureau report XXXX XXXX, which appears to be related to Capital One. Upon reviewing my credit report, I discovered a hard inquiry that I did not authorize or initiate. This inquiry is associated with my personal name, and I wish to clarify that I did not apply for any loans or credit with Capital One. 
As such, I kindly request clarification regarding the reason why this inquiry was pulled on my credit report. I believe there may have been a misunderstanding or error, as I have not engaged in any financial transactions with Capital One. 
Furthermore, I would appreciate it if you could provide written confirmation that there are no accounts or credit facilities associated with my name at Capital One banks. This confirmation is necessary for me to rectify this discrepancy with the credit bureau and have the unauthorized inquiry removed from my credit report.
Consumer complaint received 2022-07-12
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. (VA)

XXXX TRANSUNION XXXX XXXX ( XXXX ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( XXXX ) XXXX XXXX XXXX Did not have my authority to run my credit. 

( XXXX ) XXXX XXXX XXXX  did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX Did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX did not have my authorization to run my credit. 

( XXXX ) XXXX XXXX XXXX was not authorized by me to run my credit
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have been harassed and threatened by Portfolio recovery since aprox. XX/XX/2018 to now. Even after telling them in writing to stop, they continued to call me several times a day. On one occasion, they threatened me with jail and on another occasion, the person on the other end said " I know where you live '' and laughed. They have even called my XXXX year old son. They use multiple telephone numbers and I do not answer my phone anymore nor allow my son to unless we know who it is.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. 

I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

XXXX purchased my new mortgage from the initial bank. When my wife had to call they wouldnt let her speak about the mortgage without my approval even though she is on the loan. As a result of incorrect information we were charged a fee they didnt delete. Someone from the presidents office called and told me it was a third party call center and confirmed all the information I wrote here. We had no choice to work with this company and they admitted giving bad information and treating my wife incorrectly. It sucks having such a poor quality company buy my loan and force me to deal with this
Consumer complaint received 2022-07-26
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. (SC)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-12
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: U.S. BANCORP (MD)

On XX/XX/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.
Consumer complaint received 2022-07-12
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/2021 and XXXX XXXX, I filed a dispute with XXXX, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXXXXXX ( # 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 ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
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: Westlake Services, LLC (FL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, I have a plethora of unauthorized hard and soft inquiries reporting on my credit profile, a few are from one company and others are from some I wasn't even aware existed. The amount of inquires leads me to believe my credit may still need fraud protection which should be in place on two of the three bureaus.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

As of XX/XX/2020, I have sent monthly letters to PORTFOLIO RECOVERY asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I have not been able to login to the Nelnet website to access my account or pay my bill for two weeks now. 
I made a payment in early XXXX and signed up for the XXXX plan. They sent me an email that I need to make a payment to finalize the XXXX plan application and now my login information does not work. I changed my password, new password doesn't work. Call their customer service number and am on hold for over an hour, I can not stay on hold that long since I can only call on my lunch breaks. Sent in email asking for help, they ask what browsers I used, I supplied that information and then their response back is that my request is too difficult and I should call them, which I already tried to do.
Consumer complaint received 2022-07-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EdFinancial Services (CT)

I am the victim of a fraudulent XXXX XXXX XXXX from XXXX XXXX XXXX. An account was open on XX/XX/2017 and listed my name as a co-borrower and the amount owed currently is in the amount of {$40000.00}. I filed a police report and filed a complaint with Ed Financial the servicing company of the account. 

There has been no resolution to date.
Consumer complaint received 2022-07-12
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. (NJ)

I have called Equifax, XXXX, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

At the end of XXXX this year I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to get all kinds of credit. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated that the items are under investigation and Experian has done nothing. 30 days have passed and I sent my second request to XXXX and Experian, XXXX stated again under investigation and Experian has again done nothing which is why I decide to come here for help, please help me
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I called and closed my TJMax Master Card credit card as they weren't ( once again ) allowing me to use my card in my hometown. they sent me emails later, and letters stating I couldn't use my account until I did XXXX to activate it and i called AGAIN and stated I closed this account due to the inept customer service on XX/XX/XXXX, they sent me more emails, again called. Then on XX/XX/XXXX a charge was autodrafted to this account. I called again, It is CLOSED, why did this go through? Then on XX/XX/XXXX another charge was autodrafted and again I called, it is closed, but they refused to close it until XX/XX/XXXX and told me I owed the charges. I was able to get both charges refunded and owe them nothing. They behave as if they are above the law. Why is this? This has affected my credit report. Today I called them again and my balance is XXXX but they said synchony bank handles my Belk and Walmart cards, so I cancelled both.