davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Midwest Recovery Systems the accounts are as follows : XXXX, XXXX   and XXXX : 1. Midwest Recovery Systems Date Opened : XX/XX/XXXX 2. Midwest Recovery Systems Date Opened : XX/XX/XXXX 3.Midwest Recovery Systems Date Opened : XX/XX/XXXX Please be advised that I am disputing these collections due the fact that ; Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Does not currently have a valid license in Florida to collect on  debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that XXXX XXXX XXXX are licensed to collect debts in Florida. 

Your immediate response will be greatly appreciated.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get in contact with Credit Karma, hard to each, no reply Credit has incorrect Names and addresses on their website, I also filed a complaint with XXXX, CFPB against XXXX, XXXX XXXX, XXXX, Credit Karma. All I want is to have all three Credit Bureaus correct the errors on my credit information, Personal information, Credit information.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX closed my account on XX/XX/XXXX. My last payment to XXXX XXXX on that debt was XX/XX/XXXX. My credit report shows that 100 % of my payments made to that card were on time. This is the only instance of XXXX XXXX showing on my credit report with a closed account. 

Portfolio Recovery Associates , LLC opened an account citing XXXX XXXX XXXX XXXX  XXXX XXXX. As the original creditor on XX/XX/XXXX with a debt owed of {$1100.00}. I disputed this debt through a third party ( XXXX XXXX ) and requested validation of the debt. No additional contact was made and my report now just shows dispute resolution : customer disagrees. 

A ) I have no history reporting of a XXXX  XXXX closed account for this amount, nor do I recall incurring that debt. 

B ) The age of the only reporting XXXX XXXX closed account ( which does say 100 % of payments made on time ) is in excess of 7 years and should not be adversely impacting my credit.
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (FL)

The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv  ).
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX XXXX.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. Please assist me with getting my recertification date extended to XXXX  XX/XX/XXXX. 



MOHELA is my servicer and recommended an income recertification date of my plan for XX/XX/XXXX ( so that it was completed by the recertification anniversary date ). My IDR anniversary and income recertification date by the US Dept of Ed and MOHELA was XX/XX/XXXX. This falls before the earliest date of recertification noted by the US Dept of Ed of XX/XX/XXXX and therefore should be extended out to next year XX/XX/XXXX. MOHELA is failing to recognize this and refusing to update the recertification date. 



I have contacted them now XXXX times in the last month and wasted about XXXX hours on the phone with them, causing much aggravation, starting XX/XX/XXXX. On XX/XX/XXXX I talked to XXXX for over XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I talked with a supervisor named XXXX who stated he would be submitted a request to have my date extended out and that it would not be an issue. Unfortunately, that went nowhere. This last week I noticed that I was taken out of the SAVE plan, placed into a standard repayment, and my payment next month is {$2500.00} higher! I contacted them again on XX/XX/XXXX and they tried to tell me my recertification date was in XXXX which was just incorrect. On XXXX I talked with yet another supervisor who said they would be sending me a letter confirming the extension for XXXX XXXX  but I have not received this by mail or by electronic. Today on XXXX I talked with XXXX ( ID # XXXX ) who Said the initial request by XXXX on XX/XX/XXXX was canceled. It was escalated to a higher department pending review. She Still sees me on SAVE plan despite my account when I review it showing me taken off and put on a standard plan. She sees my IDR renewal date being XX/XX/XXXX recommended by MOHELA XX/XX/XXXX and agrees it falls before XXXX and should be extended out by XXXX XXXX. Today she Placed loan into forbearance until XX/XX/XXXX to get this figured out. 

I have been given numerous mixed messages from them, from people who have absolutely no clue what is going on, to people trying to gaslight me and provide misleading information ( telling me my recertification date is in XXXX when it isn't ). It has been escalated to a supervisor now XXXX times. I need assistance in sorting this measure out.
Consumer complaint received 2017-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Consumer complaint received 2018-01-04
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: National Collection Systems, Inc. (CO)

A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX XXXX  and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX and the hit to my credit was not removed.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (AZ)

On  X/XX/17    I submitted a complaint CFPB #  XXXX  in which I disputed the validity of the debt with the original creditor  XXXX   XXXX .  XXXX   XXXX  failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my  XXXX  and  XXXX  credit reports. Please immediately delete this item related to  XXXX   XXXX  from my credit repo rt ( s ). T hank you for your attention to this urgent matter.
Consumer complaint received 2018-01-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (VA)

On XX/XX/XXXX, I leased a vehicle through Mercedes-Benz Financial Services, and was sold a XX/XX/XXXX warranty with 'XXXX XXXX XXXX XXXX '. The payments for that warranty is made directly to Mercedes-Benz ( as part of my least payment ). 
The terms of the Warranty provides, in relevant parts, that XXXX " will pay the COSTS to repair or replace ... the tires ... due to ROAD HAZARD. ", and that " Tires are eligible for repair or replacement until the tread depth is less than XX/XX/XXXX. '' On XX/XX/XXXX, I took my car to Mercedes Benz to repair/replace a flat tire that had a nail in it. I was shocked to learn that XXXX refused to cover the replacement of my tire even though the tread depth was XX/XX/XXXX.
Consumer complaint received 2024-02-08
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. (PA)

I am writing to delete the following information in my file. The items I need to be 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

My daughter, a minor at the time, was in the process of purchasing a vehicle and called my auto insurance carrier, who, at the time, was XXXX  XXXX. She gave them my personal information and added herself to my policy. Soon after, she was incarcerated on an unrelated charge. I received the bill and immediately called XXXX  XXXX to have her removed and to dispute the charge. They did not immediately remove her and I was billed another month. I called, once again, to have her removed from the policy and to follow up on dispute. Although they claim to record their calls and could have immediately noted that this was not me adding her to policy, they refused to review call and stated that since she had my personal information, it was valid and I owed the two months. They stated that they would not go back to review my initial phone call asking to remove her after one month and once again stated I owed both months. I have tried to dispute this via XXXX XXXX and it was not resolved so I am not turning to Consumer Financial Protection Bureau for help.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( Equifax, XXXX, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2018-01-09
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: CORELOGIC INC (NV)

XXXX XXXX Credit Report Agency has included in my personal credit report information from other credit information obtained by Corelogic, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. XXXX XXXX action to freely place such incorrect information from Corelogic and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : Corelogic and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found XXXX XXXX action to place the reports from Corelogic and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one  XXXX   XXXX   2015 their is  an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for
Consumer complaint received 2017-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

I pay my Chase home equity line of credit via a XXXX XXXX checking account bill payment service ; on XX/XX/2017 I paid Chase my regular payment of {$350.00} via this bill paying service ; Chase has NEVER credited me with this payment even though I faxed them PROOF that XXXX had made the payment on XX/XX/2017 ; as of today XX/XX/2017 they have never credited this payment despite acknowledging on the phone that they HAVE received the proof of payment and that this proof is VALID ; now Chase is sending me emails demanding I make this payment, it 's INFURIATING because they already have the money! Please help me! Before I call the district attorneys office or file a lawsuit I 'd like someone to help me to resolve this matter Thank you for your consideration! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DE)

Within the past year, XXXX was removed from my credit report. Now theyve got another company putting it on my credit reports when Im trying to buy a house causing my score to take a dip. Ridiculous. It was removed already. They cant just put it back on. Right?
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: VW Credit, Inc (CA)

XXXX XXXX, XXXX To the Consumer Financial Protection Bureau. 

I have a complaint and believe that I a.m. not being treated fairly by VW credit. 

In summary, a XXXX XXXX that I recently leased was not placed on auto pay at the time of purchase on XX/XX/XXXXat XXXX XXXX XXXX XXXX XXXX as I had been promised. 

XXXX XXXX XXXX VIN : XXXX Account Number : I was led to believe that placing the vehicle on auto pay would decrease my monthly lease payments XXXX XXXX XXXX XXXX XXXX. 

I was initially made aware that this was not the case 37 days following my purchase on XXXX XXXX, XXXX. I made an online payment at that time of {$830.00}. 

I called XXXX XXXX XXXX, XXXX to remedy this. 

Obviously this was not remedied given that I was again notified on XXXX XXXX, XXXX that a payment was overdue. At that time I made an immediate payment of {$1200.00}. Unfortunately this payment was approximately 34 days past the due date and reported to my credit union. I again asked as to why Autopay had never been initiated and was told, for the 1st time, that they had no longer initiated such for the last year. I was never told this. 

This was not the case for the other 5 XXXX that I have previously and concurrently leased, which were all on Autopay. 

I would ask that this negative report be removed given that it was not completed at the dealership as promised. I have never had this problem with 3 prior purchases at this dealership and 2 additional purchases at other VW dealerships. I have made well over 200 lease payments to VW over the past years with no late payments. 
Previous leased VWs on auto pay XXXX XXXX XXXX XXXX ) XXXX XXXX ... XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Type : Lease Account Type : Lease Account Type : Lease Auto pay Auto pay Auto pay Current leased VWs on auto pay XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX VIN:XXXX VINXXXX Account Type : Lease Account Type : Lease Total Amount Due : {$250.00} Total Amount Due : {$250.00} Due Date : XXXX XXXX, XXXX Due Date : XXXX XXXX, XXXX Autopay Autopay I made an initial inquiry to VW credit on XXXX XXXX, XXXX with minimal to no help. 

I made a 2nd inquiry to VW credit on XXXX XXXX, XXXX which was ignored. 


I appreciate your help with this.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (OH)

I am a   XXXX   XXXX    XXXX  patient currently undergoing several  XXXX  and  XXXX   XXXX . I have been off work o n disability a nd received some funds from taxes and offered to pay 40 % of this debt as I have obviously a lot of bills with  XXXX . The debt was way below this and I 'm sure this agency paid very little for the debt. They refuse to help me with my hardship. I do n't believe they should be able to continue to add fees, harass or collect on a debt of such a sick person. I am hoping you can help intervene so I can stop worrying about being sued and harassed. I wish they would accept an amicable agreement
Consumer complaint received 2018-02-01
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. (PA)

Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for Equifax to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " XXXX XXXX XXXX '' " XXXX '' and " XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below are the reporting accounts and addresses that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX 2 )  XXXX/XXXX XXXX - Account # : XXXX 3 ) XXXX XXXX - Account # : XXXX Reporting Addresses : 1 ) XXXX XXXX XXXX XXXX, PA XXXX 2 )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report.