davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MI)

The XXXX came into the office on XXXX/XXXX/15 we called Santander the mortgage company talked to XXXX XXXX told her what was going on and they needed and wanted to keep the family home looking at the file I do see it works She email me the package to have filled out and sent back we started when they were here and over the next few days got the complete package in on XXXX/XXXX/15 she said the file is already assigned to XXXX XXXX on XXXX/XXXX/15 they got a sale date of XXXX/XXXX/15 posted on the house and on XXXX/XXXX/15 XXXX XXXX called and said there is now a sale date a not enough time to look at this file so the Investor said let it go to sale. 
I said that is 24 DAYS ( well sir we do n't know or ca n't control these investors. ) THE INVESTOR IS ALSO SANTANDER BANK N.A. on this file I did leave 3 messages for her supervisor XXXX XXXX she did call me back and leave message for me the 1st time I missed it but with no info or return again. 
This guy works XXXX here in XXXX 20 years XXXX kids home value is only XXXX what they owe rate 6.625 % 20 years been paying on this loan for 10 years unable to refinance becouse the value is only XXXX to XXXX today we have done the right things here just fallen behind and needs help been doing XXXX XXXX XXXX XXXX for 3 years to pay credit off did not file BK but could and will it come to that to save his home but has worked so hard not to do BK THEY JUST NEED HELP SAVING THERE HOME. 
PLEASE HELP!!!!
Consumer complaint received 2015-08-10
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Green Square Company LLC. (IN)

1st I got a call from a place who said they were XXXX phone # XXXX they said they were filing charges against me for a payday loan that I did n't know anything about in XX/XX/XXXX-XX/XX/XXXX, I refused to pay told them it was n't my debt. I called my attorney because I filed bankruptcy XX/XX/XXXX My attorney said do not pay them because anything before XX/XX/XXXX would have been on filed on my bankruptcy. XX/XX/XXXX called me back I told them what my attorney told me. but they keep calling me back and threating me I finally gave in and paid them the money they took out {$190.00} a month for 4 monthsXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA XXXX XXXX {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- $ XXXXXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX XXXX {$190.00} Now have a place called TAG phone # XXXX XXXX calling and threating me on the same debt I Demanded the person give me her name, company name, and address. and I Demanded that they send me a debt validation letter by US mail. and she hung up on me, I then called back and talked to some one else I Then told him somebody else called me about the same debt and they threated me until I paid I told him that I was going to Call The F T C and he hung up on me
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Early Warning Services, LLC (TX)

I am unable to open a bank account due to information on file with Early Warning. XX/XX/XXXX : Called Early Warning was told issue had to do with XXXX XXXX in XX/XX/XXXX , but she couldn\'t tell me more until I had completed a consumer identification form with copy of the drivers license ; submitted both that day. ( I originally did not include my ss # on the form as I wasn\'t comfortable providing to random company asking for it. ) No confirmation, email, voice mail from Early Warning\XX/XX/XXXX : Resubmitted consumer ID and certification form with SS # and drivers license\XX/XX/XXXX : Received voice mail from XXXX stating my request was received for processing and that it was " just about done '' and should be " mailed within a few days, either tomorrow or Wednesday ''. That it would be coming from Arizona and to allow a couple extra days to receive. XX/XX/XXXX : Emailed Early Warning again - where\ 's my reportXX/XX/XXXX : Second voice mail from XXXX stating that yes she originally told me it was just about done, but now they need a copy of my social security card in order to mail file report. No one from Early Warning called/emailed me at any point to tell me they needed additional information ; I was originally told that all I need to submit was copy of DL, which I\ 've sent them twice.XX/XX/XXXX : Called Early Warning spoke to XXXX. Told that b/c I didn\'t provide my ss # in my form they now needed copy of my card. Explained I resubmitted form on XX/XX/XXXX and had vm from XXXX stating it was in progress. Then XXXX tells me they need the ss card because when the \ '' ran XXXX '' it came back with a different name. Which is it - XXXX XXXX in XX/XX/XXXX, no ss # on first form or different name attached to ss #? XXXXAll communications with Early Warning have been initiated by me, I have provided requested information and documentation, each time they have an excuse for why the report is not sent and they\ 've given me XXXX issues of concern ( if true ), but because I don\'t have the report I don\'t know what I\ 'm dealing with. None of this appears on my credit report from XXXX, XXXX or XXXX. I log in to SSA.gov to review my report - nothing there either. How do I even know this is a legit company? I honestly don\'t know if I should send a copy of my card, but if I don\'t they will continue to prevent me from opening new bank accounts or bank loans. I have all emails and I also have the two voice mails left by XXXX. This is past the point of ridiculous and it feels like a bank scam. I have proven who I am with my driver\ 's license ; address on form = address on drivers license = where to mail it.
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (OH)

I attended XXXX XXXX University in XXXX, Ohio for my XXXX. During that time I was unable to receive grant money for XXXX costs, so I received a private student loan from Discover Student Loans ( Graduate Loan, for XXXX ) to help with those costs. I am now a XXXX but am attending a non-accredited University that is outside of the United States. 

Since the University is non-accredited I am not eligible for an in-school deferment. My income is a scholarship provided to me from a Federally funded organization here in the country for living expenses only and amounts to only ( after exchange rate ) XXXX USD. My minimum monthly payment for my loan is XXXX dollars, which barely covers the amount of interest I accrue each month, and pays almost nothing on the principal amount of the loan. 

I have discussed my options for repayment with Discover but have received little to no help, as the only option they give me is a reduced payment due to financial hardship, for a total of one year ( I have used six months already ). The reduced payment is XXXX USD ( so not much less ) and does not cover the amount of interest accrued every month on the loan. My income will not change for the next four years ( the length of my XXXX program here ), and I can not work another job while here ( as stated by my student XXXX ) and grant money received for research typically can not be used to pay personal expenses, only those that arise from research. 

My family is impoverished, and lives with a monthly income well below the poverty line of our county in Ohio, so I can not seek help from them. I also have already sold my only equity ( my car ) in order to try and pay off personal debts, and lower credit card payments. So I have no other sorts of income that can pay a large sum of this money.
Consumer complaint received 2015-10-19
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I send funds to my mom for festival and it was reported pick up although my mom never got the money and no receipt in her hand. when she went to pick up the funds, agent said it was picked up., Please help me, it 's giving lots of tension and stress for both of us.I called money gram and they were not help at all, they do n't care, I was told by many people that money gram have some fraud going on.
Consumer complaint received 2015-10-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MI)

My complaint is with American Education Services ( AES ) who maintains the original private student loans taken out XX/XX/XXXX through XXXX XXXX XXXX XXXX. 
My son attended XXXX which was part of XXXX XXXX at the time and is now part of XXXX XXXX. I co-signed for the " Private Student Loans '' so he could attend this school. 
I requested additional information from AES with regard to a XX/XX/XXXX CFPB newsletter about Relief for Students of XXXX. Specifically what steps need to be taken and if there are forms to fill out for student loan relief. 
The CFPB newsletter states the loan servicer will notify us " if '' we benefit from this agreement. I had not been contacted directly by my loan servicer American Education Services ( AES ) in the ( 7 ) months this agreement was published. 
I decided to contact them myself on XX/XX/XXXX & XX/XX/XXXX to request information about this settlement. They directed me to contact the US Dept. of Education - Waste, Fraud and Abuse by phone. The phone number mail box if full and messages can not be left and you can only call on certain days. This particular phone number was associated with federal student loans not private. They also directed me to the studentaid.ed.gov website and stated there " should be '' forms available to fill out and submit. The forms appear to also be directed toward " federal student loans '' not private. I called AES again speaking to another representative who stated they needed some type of a form from CFPB authorizing student loan relief. 
I feel my son and I are eligible for this student loan relief based on the lack of job opportunities in his field of study the XXXX representative stated were in high demand and with excellent pay so affording the student loan repayment should not be a problem. Job placement from XXXX consisted of a limited list of " potential '' employers some of which when contacted were not hiring at all. Another employer my son contacted stated that they did not have good luck with XXXX students. My son is still not working in his field of study 10 years later. These types of recruitment tactics used by XXXX are fraudulent in my opinion making our student loans eligible for student loan relief. 
American Education Services appears to be unaware of what information is needed to resolve this issue or is unwilling to help. 
Can you please clarify what it is I should be doing to apply for this student loan relief and direct me to the correct forms to use if any? Is CFPB able to contact American Education Services and provide them the information they need to start this process?
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I submitted a dispute via certified mail with returns receipt requested on XXXX XXXX, 2015 to ensure a guarantee arrival because I was concerned as to why a withdrawn tax lien is still showing on my credit report with Equifax. Equifax received this on XXXX XXXX, 2015. This information was incorrect and I asked them to dispute it and they never did. It was never listed as in dispute as I am monitoring my account with their monthly subscription program. My concern is that they were not able to either understand me or my dispute was ignored because they sent me a letter stating that they did not locate anything like that in my file. I specifically stated that there is a withdrawn and inlaid tax lien released from my name in XXXX XXXX, 2015 and it is still appearing on my credit report. Paper were submitted to have Equifax update this account and remove it from my credit report. The XXXX XXXX County Registrars department has formally withdrawn and removed it from my name because it was incorrectly placed, as the taxes were indeed filed on time and appropriately. By law Equifax must remove the invalid tax lien for the released amount of {$1600.00}. I do not understand what is so difficult for them to see, it is right there on my credit report. I am concerned that they are ignoring the issue and do not want to update my credit file. I paid over XXXX dollars for them to receive my formal dispute and they have not even addressed the issue. I even stated that it was a public records concern and they did not reposed or investigate it. Their entire reinvestigation seemed to have been done in a few days time, I sent the letters on XXXX XXXX and they responded so quickly and shut me down. I am so extremely concerned as I need to correct this invalid lien in order to apply for balance transfer cards in order to consolidate my debt. Equifax 's reporting has gotten me denied from XXXX XXXX Bank. Thank you so much and please help me as soon as possible. On XXXX XXXX it will be XXXX days that they have received my Certified Letter, I require this removed by then or I will continue to investigate the unlawful actions and stay tactics by this company.
Consumer complaint received 2015-10-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (CA)

I 've had my car almost 3 years with chase the last year and a half have been very hard because of medical issues and not working full time so have been late at most 56 days passed due recently I am XXXX behind and offered on Monday XXXX XXXX XXXX plus every week XXXX to catch up Chase has consistently told me that I can not pay just that amount I need to pay the full over the phone and they would n't accept less I have constantly been harassed by them on the phone when I call and they are extremely rude and demeaning to where I am afraid to call unless I have the full amount needed so added my husband on my account and they deal directly with him because I hung up in tears every time and I have XXXX so them being so rude and demeaning has caused XXXX. I have asked them for over a year to send me voluntary repo paperwork because I know I can not afford my car any longer because of health reason and not having a full time job. Friday morning at XXXX. They repo my car even with the payment of XXXX promised on Monday after my one weekend of XXXX hours in 2 days and giving my whole check to them. Now I can not give the XXXX on Monday XXXX XXXX because my work I over an hour away. I am so distraught and just want to get my sons car seat and personally belongings out and surrender the keys but a, being told I can not do that unless I pay the repo company money to get stuff out. This has been ongoing a year with them being rude and not taking my payments over the phone until recently with my husband calling them. My husband and I for the last year have called once a week and have kept them up to date on our situation.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (GA)

I received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has reported me as deceased to businesses who are considering giving me credit. This has been a problem for years. I did everything they required ; Social security forms, statements from social security administration, yet the problem continues. I believe someone is giving them the incorrect information, as I do n't have this problem with the other credit bureaus.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

PayPal ran a hard inquiry on my credit on XXXX/XXXX/15 which I did not authorize. I was trying to make a purchase on eBay and I clicked add PayPal credit, thinking I was adding the {$10.00} I had in my PayPal account, but instead you ran a hard inquiry on my credit. I was NOT applying for credit nor did I authorize PayPal to run my credit. Please remove hard inquiry from my credit report with all XXXX credit bureaus. Customer service was very rude and made me cry, when asked to speak to a supervisor I was put on hold twice for over an hour.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Thursday, XX/XX/XXXX sent dispute letter to all 3 bureaus and collection agencies and asked them to verify my accounts and show me how they verified the accounts or please remove them, so the bureaus said they would remove them but never sent me how they verified anything as I asked specifically to send me how they verified the accounts the companys were Bank of America {$470.00}, company 2 was XXXX XXXX XXXX  XXXX XXXX balance, company 3 is XXXX XXXX XXXXXXXX balance, then on XX/XX/XXXX I sent dispute letters to XXXX  XXXX and asked for the same thing from the bureaus to delete my information and show me how the verified my information they said they would delete it, it still shows up in all XXXX bureaus when they said information was deleted, then on Sunday XX/XX/XXXX I sent a dispute letter and asked the bureaus and collection company XXXX XXXX XXXX to remove the account off my credit or verify my information and send me how they verified it, they sent me back that it was verified and never sent me the information On how it was verified the account balance is {$1900.00} and they wont show me how they verified my information they also wont take it off my credit like I asked so all these companies who claimed they deleted the credit from all three bureaus never deleted it off my account or showed me how they verified the accounts which I specifically asked for how to get them deleted from the bureaus and to stop harassing me for accounts that claim they deleted. Last but not least I sent a dispute letter to XXXX XXXX XXXX and the credit bureaus the exact same questions to please delete or verify and show me how they verified my accounts via mail the account balance for this account is {$660.00} and they will not show me any proof of verification nor have they took everything they deleted off the 3 credit bureaus which these companies stated they deleted it off the bureaus and have not and its hurting my credit score, please help me get this problem fixed with these collection companies and all 3 credit bureaus XXXX, XXXX and XXXX including the collection companies that wont comply with what I am asking them for and they continue to not only not take anything they deleted off the record but the other companies who claim I owe them money when I dont. Thank you for helping me I hope to come to a resolution sooner rather then later thank you so much! I am attaching the files I sent to XXXX and the collection agencys just to show you i made contact with them
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Kirkland Asset Management LLC (KS)

Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OH)

Called XXXX and the associate told me that as far as she can see all my payments are made on time and are current. The date on my bank online credit monitor says date last reported as XX/XX/2015 and stated that I have 1- 30 day late which is this month she should see something. Also this account has autopay which would also make this impossible. She said that She could give me copies of statements but could not transfer my call or other wise resolve the dispute. My Phone is XXXX email XXXXXXXXXXXX
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NY)

Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.
Consumer complaint received 2015-09-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

We filed bankruptcy in 2010 however, there was a car loan XXXX and home XXXX - Chase Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) that were not to be included in the bankruptcy ( see uploaded doc schedule C ). However, XXXX companies, Chase and XXXX XXXX I will submit complaint XXXX seperatly ) are reporting to all XXXX bureau 's that these XXXX loans were discharged in bankruptcy Chap. XXXX. None of the payments made after this was reported are showing and since this time XXXX loans have been paid off. Also, not showing on my credit reports. I 've contacted all XXXX credit bureaus numerous times and tried to dispute this. They show the loans were paid off on their end and in their system but wo n't remove the " discharged in bankrupcty '' of my credit reports. I went thru a divorce the bankruptcy and just want to get my life back together. With such a terrible credit score I 'm paying more for everything and not able do a lot. I 'd like to someday buy a home for my family again and will at some put need another car. It 's so frustrating. I ca n't tell you the time and money ( I paid a credit company {$1600.00} to help me restore my credit ). I hope you will be able to advise me or help me. 

Thank you for your time.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I attempted to shop for a good rate for a car in XXXX of 2014. I went to one XXXX dealership and I received 9 hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?