davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WY)

After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification
Consumer complaint received 2020-02-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

To be brief, this letter concerns an issue with Sallie Mae and three student loans that I hold with them, which are only weeks away from moving into payment status. As outlined in the attached letter that was submitted to Sallie Mae, I am unable to pay the loans at this time, due to the financial circumstances of myself and my wife. I spent a great deal of time on the phone with them, prior to sending the letter. And, after they received the letter, I received a phonecall from Sallie Mae from what was called the Office of the Customer Advocate. This phonecall identified what I had already been told : they understand I have no money to pay them, but in order to process a forbearance/deferment on my loans, I would have to pay a {$50.00} good faith payment ( possibly for each of the three loans ) and go through the request process every three months. How they can demand money from me, when I have identified I have no money and am asking them for consideration, is beyond me. They also offered another alternative : that they can help me, but I have to let my loans first default. As identified in my letter, I am an Officer with a very large public institution and, as such, a public/civil servant. It is both outside of my nature and against my professional interests to have my student loans default. And, given that I have pinched every XXXX and cut every cost over these last few months, demanding money from me is as offensive as it is ridiculous. They are a for-profit organization profiteering off of those like me who seek higher education. And, here, they are attempting to profit off of my financial distress. I find the entire situation offensive, disrespectful, and ludicrous, which is why I now bring it to your attention.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have a bankruptcy on my credit report that should be taken off. It was back in 2012. It's been 8XXXXyears and should come off. Experian still has it on there report.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I received a call at XXXX MST on XX/XX/XXXX MST from a debt collector, who informed me of a debt and had demanded a credit card being put on file immediately. This had been the first time I have EVER received any communications about this debt whether it be through writing, email, or phone calls. They immediately got hostile and aggressive and threatened me with further action, despite the face that I had told them that a ) I have received zero prior notification that I even had a debt within the past 6 months and b ) was not going to give my phone credit card information out to a random person on the phone without any debt verification whatsoever. I dont even know what the debt is for! They also falsely stated that I had given an address as a forwarding address that was in fact a previous address from when I lived in XXXX 5 years ago on XXXX XXXX. I had not lived in XXXX for over 3 years ( they could have easily gotten my former address information on public record ) and had left the building my forwarding address when I moved out in XXXX, so they knew how to contact me correctly. This makes me suspect that they are fraudulently sending notices to incorrect addresses just so they can collect interest. The fact that they were unwilling to allow me to even get home to get to my credit card so I can put it on file makes me suspect it is fraudulent.
Consumer complaint received 2019-02-18
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: ID Analytics, Inc. (GA)

checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2019-02-18
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: LEXISNEXIS (GA)

I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2020-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Regarding the complaint ID # XXXX filed yesterday XX/XX/XXXX and received the company 's response with attached documents on same day. 

The borrower reviewed the documents and wonder how they have those information because the name on document XXXX XXXX ' passed away in XX/XX/XXXX however this person 's name was filled on the application with the Federal Student Aid since XXXX when this person existed. I am wondering the documents were done by the PHEAA without the borrower 's consent. 

I have attached document of XXXX XXXX 's death
Consumer complaint received 2020-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

Beyond the Statute of Limitations ... My credit reports reflect a balance for {$370.00} for medical services received in XX/XX/XXXX/XX/XX/XXXX. The " Opened Date '' reflects XX/XX/XXXX. I believe the reporting of this debt is beyond the 5-year Statute of Limitations in Florida. Furthermore, I believe Choice Recovery Inc. secured this debt improperly and have reported the balance with full knowledge that they have no rights regarding collections and reporting as their doing so violates Florida statutes regarding medical debt. 

I would like Choice Recovery Inc. to cease monthly reporting for this debt for which I believe I am no longer liable for and I would like this debt to be deleted from all 3 credit bureaus and never re-reported.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On XXXX XXXX, 2020 attempted to put a Credit or Security Freeze at Equifax online ... went through the process but came up with a message that they could not verify my identity and that I needed to call them. 

On XXXX XXXX, 2020 I called the number that was given me online ( XXXX ) and explained that I was trying to do a Credit Freeze online but I received a message that I needed to phone to verify my identity. Went through the security questions with the person on the phone, answered them all and then at the end, she told me that they could not verify my identity and that I would need to send them my Social Security Card and Driver 's License to them, which I find outrageous, the perfect combination of information that would allow for Identity Thief. I told them that I would not send that kind of information to anyone and that I wanted to talk with a supervisor. I was transferred to a Supervisor that did absolutely nothing but insisted that I send the requested documents. I told her no and that we would be filing a complaint against the company. I don't think Equifax has the right to make it impossible to obtain a Credit Freeze when they allowed a major hack to occur.

I absolutely did not have any problems obtaining a Credit Freeze from XXXX or XXXX. My experience with Equifax was unbelievable.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA makes statement : Temporary credits were applied on time no delay NOT TRUE. See statement of XX/XX/XXXX. XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Credit from merchants are the ONLY CREDITS shown on statement of XX/XX/XXXX. There are No Temporary Credits or Permanet Credits from USAA XX/XX/XXXX. KINDLY NOTE USAA CLAIMSl the TEMPORARY CREDITS Not MADE Permanet are Permanet. USAA LIES TEMPORARY CREDITS NEVER GIVEN for XX/XX/XXXX Fraud claim date. See letter of XX/XX/XXXX. It took 2 years to discover USAA MUST MAKE TEMPORARY CREDITS PERMANET as letter XX/XX/XXXX explains. No wonder all my fraud credits kept disappearing like {$2600.00} other credits vanished XX/XX/XXXX Temporary Credits do not apply UNTIL MADE PERMANET. WOW Now USAA uses the temporary credits ( not made permanet ) converting all temporary credits into PERMANET CHARGES OF NEW PURCHASES CREDIT REVERSALS claiming 2 credits as merchant paid. How can USAA reverse credit NOT GIVEN because not made permanet to apply to balance. THERE ARE NO PERMANET USAA CREDITS FOR FRAUD REPORTED AND there are No temporary credits posted timely XX/XX/XXXX for the claim date of XX/XX/XXXX. USAA sorry, but that is a lie and there are XXXX many more credits never made permanet. Also I spoke to XXXX, XXXX, XXXX, XXXX, XXXX at gr8 length. I explained. I have XXXX  with ADA tools of talk back screen reader and scanner. USAA tech will have to fix why USAA web and USAA mobile app do not hook up. I am able to access CFPB and FTC & Ideninity Theft.gov. I do not know a lot about tech but am ready to perform any hand movements that ARE NOT HAZZARDOUS TO MY XXXX, HOWEVER ; I DO NOT WANT TO CONTINUE A RELATIONSHIP WITH USAA DO NOT SEND ME ANOTHER NEW CARD USAA has a responsibllity to provide access and options for XXXX.
Consumer complaint received 2019-02-18
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: Innovis (GA)

I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2020-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC (IL)

I called the collection agency and explained that XXXX XXXX Hospital made a mistake in billing me. I gave them my receipient medical ID number and my Medicaid card.The debt is over 10 years old and several collection agencies had this debt. The billing information was also forwarded to the Department of Human Services and XXXX XXXX Hospital has erroneous information I never received.
Consumer complaint received 2020-02-12
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. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-02-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION (CA)

I received a letter from this Alleged Servicer SN Servicing Corporation in XX/XX/2020 demanding payment for the Amount of {$12000.00}. 
I'm disputing the total amount claiming in its letter Plus the Standing to be a Debt Collector Please see my Dispute Letter and including 4 Attachments in regards.

I would like ask urgently to the CFPB this issue be look by US Regulator because I believe I been victim of MORTGAGE SERVICE FRAUD. 
Please look for reference CFPB inquire # XXXX against the alleged Trustee XXXX XXXX.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery Services continues to send mail demanding payment for a debt that I never incurred.

Numerous attempts have been made to stop their harassment and collection efforts.

1. XXXX  has contacted the company disputing the debt - I never took out a PayDay Loan 2. Though I completed bankruptcy earlier in the year, Ad Astra NEVER took the information off the file though contacted by my attorney, the bankruptcy court.

3. And even though Ad Astra has marked the debt as payed via bankruptcy with the credit agencies ...

The company continues to send letters demanding payment for a debt that is neither mine, that has been noted via the bankruptcy court as paid off even though they never followed through with statements that the debt was never mine to begin with, and even after recent correspondence with XXXX  confirming these details continue to send threatening mail via the USPS.
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Greetings, My loan servicer is XXXX XXXX and they have been insufficiently responsive to inquiries I've made. 

First, I asked for them to provide a copy of an official letter updating me on the number of qualifying payments I've made towards PSLF. They told me originally that my most recent ECF I had submitted was approved on XX/XX/XXXX and that it would only take a few weeks to get back to me on the updated number of qualifying payments. I haven't heard anything since even though I've followed up with them. 

Secondly, I've asked for them to re-review payments I had made back in XX/XX/XXXX-XX/XX/XXXX ( made during a transition from IBR REPAYE ) to see if  they could be counted towards PSLF due to the " Consolidated Appropriations Act, XXXX provided limited, additional conditions under which you may become eligible for loan forgiveness if some or all of the payments you made on your XXXX XXXX XXXX XXXX XXXX XXXX ( Direct Loan ) Program loans were under a non-qualifying repayment plan for Public Service Loan Forgiveness ( PSLF ). The U.S. Department of Education ( ED ) is referring to this reconsideration as the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity. '' However, they've continued to tell me that this is under re-review and has been ongoing since XX/XX/XXXX per my records, which to me is an unreasonable amount of time. I want an answer to this. 

Thank you. 

-- XXXX XXXX XXXX P : XXXX E : XXXX XXXX
Consumer complaint received 2020-02-12
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: Experian Information Solutions Inc. (AL)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-12
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. (AL)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
Consumer complaint received 2020-02-12
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. (GA)

I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX  XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$60.00}
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

I pay Wells Fargo approximately {$1500.00} annually for PMI insurance. On or about XX/XX/XXXX I contacted Wells Fargo to get PMI insurance canceled. I felt that my Husband and I had 20 % value in our property to remove PMI. We owned approximately {$260000.00}. XXXX appraised the property at about {$320000.00}. Wells Fargo insisted that we had to use their appraisal company. Their appraisal company came below the value of our home at approximately {$290000.00}. This denied my request for PMI removal and I am still paying as of now. On or about XX/XX/XXXX we contacted Wells Fargo again for PMI removal We stated that the use another CT certified appraisal company instead of their 's would be a more fair and accurate appraisal. They said no. We feel that there is conflict of interest in this because the appraisal company has a financial dealings with and possibility ownership by Wells Fargo. I owe approximately {$250000.00} in my mortgage which gets paid biweekly that means extra mortgage payments each year. I have excellent credit and never have been late in payments. To have my PMI removed my property needs to be about {$320000.00}. XXXX valued my property for around {$340000.00}. I found that Wells Fargo had a lawsuit brought against them. The lawsuit stated that Wells Fargo 's had a unfair practice for PMI removal and their appraisals that was done came below the value of the homes and many still pay for there PMI.
Consumer complaint received 2020-02-12
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. (TX)

What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW