davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I have student loans that qualify for PSLF. My initial servicer was XXXX but they are now managed by FedLoans. Initially XXXX and, since the transfer, FedLoans have always presented me with a minimum payment due that was one sum to cover the minimum payment for all my loans. Every time I made a payment it was at least for that amount. Despite this, when I review my PSLF status I see that many of my loans have different numbers of qualifying payments. This should not be the case because I never made payments to some loans but not others. Some of my on time payments were also considered not on time after they were transferred de XXXX to FedLoans. I made a payment inquiry to XXXX and they initially refused to give it to me saying they sent it to FedLoans until I stated that they were servicing my loans making me their customer not FedLoans. They did give me some payment information but it does not show the actual dates for many of the payments causing concern that XXXX did not actually track them accurately and thus FedLoans has an inaccurate count. XXXX should provide a record with exact dates payments were made. They should be held accountable if the minimum payment I made wasnt distributed to the individual loans appropriately.
Consumer complaint received 2021-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (VA)

Every 2-3 weeks I receive a letter in the mail from a different collection agency. They are attempting to collect monies I don't have for medical debt that I did a settlement for with XXXX XXXX XXXX XXXX. I am not sure how these agencies are even obtaining information settled. So instead of me writing a letter to the agencies asking if they've obtained this information illegally or purchased the medical information, I am also going to begin reporting them. The newest agency is CBE Group , Inc XXXX XXXX XXXX XXXX XXXX, IA XXXXXXXX and the agency just a few weeks prior is XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX. 

Let me begin by stating, Yes, I had over {$XXXX}  in medical bills because I did not have medical insurance coverage. It took me a year and a half to do so but I was able to get a 2nd job in the warehouse and paid off {$14000.00} of the medical debt I created. Of which a couple of XXXX XXXX XXXX XXXX bills were paid off. When I no longer worked at the warehouse due to the multiple surgeries on my left eye, I was paying little but what I could pay on my remaining medical bills. Then my full time job was cut down from XXXX hours a week to XXXX hours a week and then Covid comes which has made it challenging to find part time or another full time job. 

I had about {XXXX} in savings. So I reached out to XXXX XXXX, requested to do a settlement on both remaining balances that were roughly {XXXX} each and sent them 2 separate checks for settlement for {XXXX}. 

And every 2-3 weeks I receive a collection letter from a different agency in the mail for XXXX XXXX. I have not pulled my credit report since XX/XX/2020, and I hope they have not falsely impacted my credit report. These debts are settled. Now while I'm being transparent here, know that absolutely I did not want to do a settlement. I'd prefer to keep my name reputable and my word bond. However, I just did not have the means to pay them. 

May you advise how can agencies obtain settled debt information? Is this legal? 
The amount on this CBE Group letter is {XXXX} and service date XXXX and the amount on the XXXX letter is {$770.00} and XXXX service date.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (DE)

A collection agency called IQ DATA INT'L INC  ( XXXX XXXX XXXX WA XXXX XXXX ) placed for collection a charge of {XXXX} from XXXX XXXX XXXX XXXX XXXX Georgia  ( original creditor ) on XX/XX/XXXX. They sent several letters and repeated calls to me and my family, they did not stop until I wrote to them asking them to stop. However, they placed this onmy XXXX XXXX credit report. I noticed this on XX/XX/XXXX as I was trying to apply for some credit. Since, XXXX of XXXX, I have filed a fraud report with the FTC and the CFPB. Have not heard anything from either agency regarding my case. 
Back to the crux of the matter, WE called IQ DATA in XXXX XXXX and asked them what we needed to do. A very respectful man XXXX XXXX told us to mail documentation to IQ DATA verifying my place of residence during the fraudulent charger, who used the the name XXXX XXXX not me XXXX XXXXXXXX to navigate their fraudulent account at this apartment complex. I did this, I mailed the documentation w/ proof of residency, drivers lis proving AGAIN my address which was not in Georgia . So, it is NOW XXXX and WE have not heard anything from IQ DATA INT'L. I called on XX/XX/XXXX and spoke to XXXX XXXX. Mr.XXXX proceeded to say to me " so why don't you just pay the XXXX bill '', the nerve of this person to assume I was the fraudulent person before IQ DATA even completed their " investigation ''. He next proceeded in a very unprofessional manner to tell me these investigations take 2, 3 and even 6 months. If this is the kind of people IQ DATA employees WOW I guess the fraudulent account from XXXX will never come off my report. I was living in XXXX XXXX Florida during the dates the fraud ( person ) was living under my identity in Georgia, It stated that on the copy of the lease I sent to IQ DATA and on my drivers Lis and a utility bill. The fact of the matter is my identity was stolen and IQ DATA keeps trying to implicate me as the fraudulent person. When the facts clearly prove otherwise. 
Perhaps, I should ask my attorney to get involved, because I'm sure with the evidence in hand any judge would see the FACTS.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Made a dispute with Transunion on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and 3 " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and Transunion is showing maximum delinquency which is incorrect. l did my part of making a payment the most the Transunion should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/23, I submitted a request for loan modification. On XX/XX/23, XX/XX/23, and XX/XX/23, I submitted all documents in support of my application. In between and most recently on XX/XX/23, Select Portfolio Servicing, Inc. ( " SPS '' ) sent me incomplete application notice. This notice continues to request documents which are not applicable to me such as proof of pension income or loss and profit statement when I neither have pension or own business as is reflected on my application. SPS is not reviewing my application with reasonable diligence and is intentionally delaying the process so as to avoid having to modify my loan. SPS is intentionally preventing me assuming or assuming and modifying my former late husband 's mortgage on my property. Based thereon, SPS is intentionally interfering with my property rights as successor in interest to the real property located at XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/XXXX Midland Credit Management attempted to contact me about a debt that was not owed. The account number is XXXX. I have attempted to explain my federal rights to XXXX who is one of the account managers there. I informed him of 15 USC 1692k & 1692CA as I have never given Midland Credit Management consent to contact me and there is no time to discuss this debt. I also ask Midland Credit Management to cease and desist but wasn't taken seriously as they said they couldn't verify me when I provided my full account number and name. I also am requesting how they have been given my additional information under 15 USC 1692B. I am also requesting a visual contract I have with this company. I look forward to getting this resolved. Attached below is the documented conversation with, XXXX.
Consumer complaint received 2021-01-24
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: EQUIFAX, INC. (MD)

I have tried to get unauthorized inquiries off my credit report file with Equifax. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. Equifax sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and Equifax allowed these inquiries to be placed on my credit file with my knowledge or authorization. I have not put in an application for a car loan.
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (DC)

attempting to open Discover card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

I received a notice from my XXXX on XX/XX/XXXX notifying me of a change to my credit report. This was a surprise. Enhanced Recovery Co reported a new account to XXXX   that is listed as seriously past due in the amount {$1100.00}. I do not have any accounts with this company new or old. I do not know of this company. I do not owe this company any money. I never received any communication from such a company. I have never done business with this company. 


Steps taken : I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, the day XXXX received the alert from XXXX. While I received confirmation that the complaint was received and forwarded to the Enhanced Recovery, as of today 's date I have not received a response from Enhanced.
Consumer complaint received 2019-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

i have tried to contact XXXX/XXXX / equifax on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Laws : 15 U.S.C 1681 section 602 A. States that 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 2020-06-26
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: VW Credit, Inc (NJ)

Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, Volkswagen contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.
Consumer complaint received 2023-03-02
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the XXXX and Equifax credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (VA)

XXXX XXXX is claiming a debt that is not owed ; this occurred in their error. 
I have 2 accounts under the same address and name with one paid in full and one made in error from a XXXX representative. This has caused a huge impact on my daily living right now. I have spoken with XXXX and this is what they have supplied to me XXXX request XXXX This code is what a new representative made ; asking his supervisor to dispute this account.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP (MI)

To Whom It May Concern. 

I have been advised to seek legal action against Old National Bank regarding the continued false reporting of a " outstanding charged off mortgage with a balance of $ XXXX and updated regularly so it keeps hitting my credit score since XXXX! '' This is against the CFPB and well as the FCRA rules and regulations. Additionally on both XXXX XXXX, XXXX and XXXX XXXX, XXXX I brought to the attention of XXXX XXXX that fact that ONB was reporting a foreclosure without the mention of our agreed " settlement agreement '' of which I have been paying on since XXXX. I have copies of those emails received by her for which nothing or no corrective actions were taken by ONB. I had no idea that ONB was reporting the delinquency of this notes full amount since XXXX! 

I will be speaking with an attorney this week to seek legal action against ONB as well as compensatory and punitive damages. This issue has greatly impacted my insurance rates and denial of several loan applications including but not limited to a recent refinance.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America XXXX I am writing of an abuse from with in Bank Of America. BOA lost {>= $1,000,000} in a clase action suit for these practices and they are continuing. The case was Lisa Morris, et al. V. Bank of America , N.A . The case for fee timing practices. The fee timing practice has not stopped. I am a victim of fee timing by BOA. 

BOA is charging me {$150.00} in at unreasonably high interest rates for paying extra on my account due to an automatic payment that caused a double payment ( after previous problems with the BOA automatic payments caused late fees and interest that I should not have paid ). Bank Of America was immediately notified by phone call and in writing to reverse the double payment. Bank of America chose to withhold the reversal that was requested to gain unjust enrichment of absorbent interest for three months in bad faith.

This was not standard interest, it is a deceptive business practice.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STATE FARM BANK, FSB (KS)

XXXX XXXX XXXX Sent money on XX/XX/2020 via paper check in the mail. I was informed it was for a XXXX XXXX job which I had applied for. I also called my bank and the bank the check was from to see if it was legit and it was.
Consumer complaint received 2023-03-05
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (MI)

Loan Number XXXX Mortgage application complaint for discrimination based off my receiving Social Security benefits. 

On XX/XX/XXXX, I sent my Loan Officer XXXX XXXX proof of my Social Security benefits in which he acknowledged by email that he received. Then I was contacted again today by a member of his team for a 3 year statement of continued Social Security benefits which clearly violates the CFPB Final Bulletin 2014-03, page 3 regarding Social Security XXXX Income. 

Please see the attached email request # 4 as it pertains to my Social Security benefits. Do please give me a call and provide me a written response as to why Im being discriminated against as I really need your help in this matter because its causing me tremendous emotional distress and discouragement. 

Below is the condition from Flagstars underwriter ; 4. Provide { acceptable documentation } to document Social Security income in the amount of $ { XXXX & XXXX } for { Borrower }. { *** Document SS income will continue for at least 3 years } Thank you for your time,
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (NM)

Westlake financial send my debt information to my all my credit bureau I been affected by covid19 loose my job I been trying to talk to them to make a payment arrangement with lower payments to be able to make and they don't want to help me every time that I talk to them they will want me to pay a lot of money at front and also very high monthly payments that I can not afford at this time.