davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (VT)

I had a student loan account in delinquency. It was obtained by Educational Credit Management Corp ( ECMC ) in XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ) While I was paying on my student loan prior to this acquisition, I was unable to pay during a period of time when ECMC owned the loan. 

They've subsequently reported this as 14 separate delinquencies on my credit report. Some of these delinquencies are as small as {$160.00}, and could have easily been paid in full. However, I was not given the option to pay 14 smaller debts. Only one large and unmanageable payment. 

In XXXX, I successfully refinanced this student loan. I've made payments on time 100 % of the time, using the income driven option to make it manageable. It took quite some investigation to even find the loan, as ECMC did very little to communicate with me or help me get back on track. 

In trying to obtain a mortgage, I disputed the 14 delinquencies with all three credit bureaus, hoping it could be listed as one debt. I agree that lenders should know about this default, and I understand that student loans are sometimes broken into years or semesters, but 14 exceeds both these numbers. I can not wait seven years for that many negative marks to fall off my report.

In response, ECMC reported 14 XXXX dollar, refinanced debts as STILL in collections for XXXX, XXXX and XXXX, XXXX. ( It was listed as closed XXXX, XXXX before I filed the dispute. ) In response to my request, they added more incorrect information to my report, making it nearly impossible for me to obtain credit. ( It seemed almost like retaliation. ) If they don't own the debt anymore and were paid by a refinance, can they still list it as " in collections '' or " charged off? '' I've contacted ECMC as well. I can not redispute the details with XXXX  ( who listed this change first ), because I've already filed the initial dispute, and I'm not sure I have any recourse with the other agencies if it is similarly reported in this inaccurate way. 

Please help. I'm not sure who else to turn to ... 

Thank you!
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

Citi Cards keep lowering my credit limit on account ending in XXXX due to negative activity, delinquent paid or unpaid. This account has always been in good standing and this is the second time my limit has decreased this lowering my credit rating. I asked for proof of the delinquency and receive no response from Citi Cards. My credit card limit has dropped from XXXX to XXXX with a balance about 200.00 Citi Cards is just a fraudulent company to deal with. Please help Thank you XXXX XXXX
Consumer complaint received 2020-02-11
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. (NC)

XXXX  ; Experian and XXXX are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

I currently hold a mortgage with Rushmore Loan Management. This mortgage was originated with XXXX XXXX. I claimed homestead exemption at my local courthouse and sent the document to XXXX XXXX. Just after, XXXX XXXX  sold our mortgage to Rushmore Loan Management. The tax documentation has been sent to both  companies. I have screenshots of my messages attempting to get the status on this tax exemption as it affects our payment. It has now been 6 months of trying and they will not respond. This amounts to {$100.00} extra I have had to pay on my monthly payment because the taxes have not been adjusted. Since the loan origination, it has been one year and 5 months which makes for a total overpayment of {$1500.00} that I have paid MORE than I should because of this.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

1. ACCOUNT WAS OVERDRAWN -- BY {$1200.00}. BORROWED {$1300.00} FROM 401-K ACCOUNT- DEPOSITED MONEY.

2. AT THIS POINT ASKED IF THIS BROUGHT THIS ACCT CURRENT WAS TOLD THAT IT DID. REQUESTED THE ACCOUNT TO BE CLOSED.. WAS TOLD THE ACCT WOULD BE CLOSED 3. DISCOVERED THE ACCOUNT WAS NOT CLOSED. ASKED WHY AND WAS TOLD IT WAS STILL OVERDRAWN BY {$44.00}. TOLD BANK REP TO WITHDRAW MONEY FROM SAVINGS AND CLOSE THE ACCT. I WAS ONCE AGAIN TOLD THE ACCOUNT WAS NOT CLOSED. 
... ..I ALSO HAD A {$350.00} CHECK DEPOSITED IN THE MEANTIME CALLED THE BANK TO SEE HOW I COULD GET MY MONEY BACK SINCE THE ACCOUNT WAS CLOSED. I WAS THEN TOLD THE ACCOUNT WAS NOT CLOSED AND THIS MONEY WAS USED TO SATISFY ONCE AGAIN MONEY THEY FELT WAS OWED TO THEM. 
4. SEVERAL WEEKS LATER GOT A LETTER STATING THE ACCOUNT WAS OVERDRAWN BY {$210.00}. UPON SPEAKING TO REP WAS TOLD THE ACCT WAS IN NEED OF $ 500/OVERDRAFT AND ADDITIONAL {$160.00}. ALSO SOME HOW ADDITIONAL AMOUNT WAS QUOTED OVER THE PHONE FOR {$800.00}. 
5. WENT DIRECTLY TO THE BRANCH WAS QUOTED A DIFFERENT AMOUNT OWED.

6. GOT A CALL TODAY XX/XX/19 WAS TOLD THE ACCOUNT COULD BE SETTLED FOR {$210.00} HOWEVER I STILL OWED $ XXXX 7. SO CONFUSED BY WHY THIS BANK AFTER BEING A CUSTOMER FOR NEARLY 46 YEARS, HE DIFFERENT DEPT ARE UNABLE TO COMMUNICATE AND SHARE INFORMATION REGARDING A ACCT SUCH AS THIS ONE WITH EACH OTHER. SO THAT THE CONSUMER. DOES NOT FEEL THEY ARE BEING EXPLOITED.

8. FINALLY WAS TOLD THEY WOULD NOT CLOSE MY ACCT. I AM NOT A BANK I DO NOT HAVE AN ENDLESS AMOUNT OF MONEY -- BECAUSE OF THIS MY FINANCIAL SITUATION IS DECLINING.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

With all 3 credit bureaus I have tried to dispute matter that is one debt reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX collections and another XXXX XXXX all are reporting this debt on credit report.
Consumer complaint received 2020-01-18
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: EQUIFAX, INC. (UT)

My XXXX  XXXX  line of credit in good standing for {$5000.00} has dropped off this credit report causing my credit score to significantly drop. There was no rain for this to be dropped
Consumer complaint received 2020-02-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (CA)

I have Contacted the the following Companies only to be lied to, they play Hot Potato with the alleged Debt ( XXXX XXXX   services a division of XXXX XXXX, XXXX ( XXXX ), Ocwen Financial Corporation? ( Ocwen Loan Servicing, LLC ) and Now PHH Mortgage services ( hereinafter " PHH MS '' ) They change phone numbers and account numbers even property addresses now as the following Reply in exhibit was supplied by PHH Mortgage to the CFPB .When I contacted the following Number ( XXXX ) XXXX ext XXXX a person claiming to be XXXX XXXX XXXX answered I asked in what country he was in, He said XXXX .Now why is my personal identification, social security, address allowed to leave the United States of America ? I have no business with any Foreign companies so why is my Identity allowed to be Stolen and used in another Country? 
They said I had a Loan with a property address of XXXX XXXX XXXX Unit D, XXXX XXXX, Il XXXX, when I contacted XXXX XXXX XXXX he said he would look into it and submit a complaint so it could be investigated he would get back to me in 10 Days. 
That was over two months ago after repeated calls and messages still No Answer.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

I tried several times to enroll in the public service loan program. I was told by several representatives I needed to be in a certain program. I changed programs and completed the paperwork. I called several times and was told my months are accruing and I will get a report at the end of year. This did not happen. When I was up for renewal, they told me I had to consolidate my loans. I did this in XXXX and filled the paperwork out again. I renewed yearly and was told in XXXX, I only had 13 qualified payments. I have worked with the government since XXXX. I just would like to get the seven year credit of payments and the current year totaling 8. I have not received all allowed payments toward my PSLF because every time there was a problem with my paperwork. Nothing has changed with the Department of Defense as far as I know. My jobs change internally but this should not make that big of a difference. I know my time is longer but I will accept 8 total years, this is madness. I have scanned the copies I have but the other copies were done electronically. Most of my paperwork is in storage due to us XXXX back to the mainland. Fedloan did acknowledge receiving all of the PSLF applications and employee verification. I have read many individuals are having this problem and they are being sued for not being transparent. I have sat on the phone for many hours trying to resolve this yearly. They say the calls are recorded, this would be great to get to see where they are misleading people. Please help me.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Control, LLC (FL)

I disputed inaccurate reporting by XXXX XXXX XXXX on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX XXXX XXXX has sold the debt numerous times and at the same time continued to report the debt under XXXX XXXX XXXX XXXX. I contacted the company XXXX XXXX XXXX is using called Credit Control LLC in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX XXXX. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX XXXX XXXX and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX XXXX XXXX has that showed I did not pay these loans in full. I received a letter from Credit Control LLC stating that XXXX XXXX XXXX investigation response is that I still owe the loan amount and Credit Control LLC would continue to report on my credit the amount outstanding under XXXX XXXX XXXX name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX XXXX XXXX has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX XXXX XXXX on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX XXXX XXXX has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX XXXX XXXX and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX XXXX XXXX and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX XXXX XXXX I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX XXXX XXXX and its Creditors is something they have yet to provide me.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Before I opened this account I went to a Bank of America branch and specifically asked if an ACH transfer of my salary from XXXX XXXX into this account would qualify for the {$300.00} account opening bonus ( as the offer stated that transfers do not qualify ). The rep to whom I spoke ( XXXX XXXX business card / letter attached ) stated that it would and the transfer clause only related to transfers from another Bank of America account. I therefore opened an account and three deposits of {$1300.00} were made. Bank of America are now saying these deposits do not count so I am not eligible for the bonus.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I disputed inaccurate reporting by XXXX Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX Student Loan has sold the debt numerous times and at the same time continued to report the debt under XXXX Student Loan SLC. I contacted the company XXXX Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that XXXX Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under XXXX Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX Student Loan and its Creditors is something they have yet to provide me.
Consumer complaint received 2020-02-11
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. (NC)

Equifax ; XXXX and XXXX  are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LAND HOME FINANCIAL SERVICES (WA)

Paid Off Mortgage loan number XXXX last month in FULL. Somone in the credit reporting department thinks it would be funny to report this account DISCHARGED in chapter XXXX bankruptcy on XXXX and cut out my payment history up to XX/XX/2019. I have attached credit report and proof from XXXX whoever did update on this account FAILED at there job and needs to be retrained. This inaccurate reporting will cause me trouble trying to get another mortgage and has lowered my credit score in which can affect interest rates. I will have to resort to legal action with my local consumer protection law firm.
Consumer complaint received 2020-01-18
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: Experian Information Solutions Inc. ()

Per Experian email sent to me : ============================================================= Important info about your IDnotify membership Dear XXXX, This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. 

Sincerely, IDnotify ___________________________________________________ Since Experian knows I live in XXXX ( they just mailed me a credit report here in XXXX ) and want to keep my credit file LOCKED - why do they do this to me? Do they NOT know that access from a foreign web site will be DISALLOWED by the server at Experian. 

I want my file locked!
Consumer complaint received 2024-11-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX