davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: GREAT LAKES (CA)

I recently saw  the director  on  XXXX   XXXX  and it gave me the motivation to state my experience. Here it goes.     I graduated with a   XXXX   and went into a   XXXX   XXXX   /   XXXX   XXXX   under a paid grant service agreement because I 'm working in   XXXX   XXXX   .I h ave to work for 2 years for every year I went to school ( not sure if this is I had a loan during my  XXXX , but still was in school so it was in forbea rance. Stafford   Loan, OWED    Current Principle :  XXXX  Current Accrued Interest : {$1700.00} Total Balance : {$56000.00} Estimated Interest Accuring Monthly :  XXXX  Estimated Accrued Interest when your forbearance ends :  XXXX  ( Whoa!!!!, I just realized that they are taking advantage of me. ) Finished my   XXXX   XXXX  . in   XXXX   XXXX   and finished my units for my   XXXX   XXXX  , but still need to complete my units. Technically, I have 5 years to complete my thesis under my agreement. I 'm just finishing my second year of   XXXX   as a   XXXX   XXXX   XXXX       In   XX/XX/XXXX , I received a call from GREAT LAKES EDUCATIONAL LOAN SERVICES, INC. They let m e know that I have n't paid my loan for 3 months. I did n't receive a letter in the mail notifying that I owed anything. They said they have been emailing me at an old  XXXX  account. I got no letter, no phone call, I feel, until it was too late. When I did finally talk to them, I let them know what was going on and they approved my request for forbearance until    XX/XX/XXXX .       Meanwhile, I needed to move and get a new car because my car got totaled and ran my credit which is considered very poor, making my quality of life very hard. Plus, I 'm an   XXXX   XXXX   and needs a car to travel to my  XXXX  schools to   provide service to my   XXXX  .     Everything became very overwhelming and un-affordable.     I called Great Lakes after my credit check to ask them to help me fix my  credit score  issue because I needed a car. They told me there was nothing they could do because I did n't make a payment for 3 months. I begged talked to supervisor 's, no compassion. I feel hopeless because I want to move, but I ca n't because no one will accept me without a cosigner or high interest rates. Please help, not sure if this situation qualifies for your services. Thank you for all you do and giving people a voice.
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I have received a letter from  Midland funding saying they validated the debt by sending a bill from another company.midland did not send a contract t hat I signed with them. I do not know this company, I do not owe this company, nor have I ever had any contact with this company.They is reporting to my credit report and so is    XXXX   XXXX   XXXX  ..Two co mpanies can not collect on the same debt..i want this illegal information deleted from my credit report.
Consumer complaint received 2017-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

AES has a " paid ahead '' program which automatically takes additional payment an applies it to future payments ( principle + interest ), instead of applying the additional payment to only principle. Unfortunately, if you pay online, they do not offer a way to indicate that you want your additional payment to go towards principle. I have called AES and they stated that there is not an option to indicate where you want additional funds to go to when you pay online. Further when you speak to them, they are misleading in trying to say that additional payments do go towards principle in the " paid ahead '' program. This is a half-truth. The paid ahead program still applies portions of extra payments to interest. Please beware if you are trying to pay down your principle, they will eat it up as mostly interest payments. ROBBERS!
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported to my credit report an account which I believed was not a valid debt and didnt belong to me.
I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   of f my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

My husband and I lived in an apartment that became to expensive to live in once my husband lost his job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
Consumer complaint received 2017-08-21
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. (FL)

I have disputed the bankruptcy filing and submitted my FTC report to XXXX, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KS)

My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, I purchased a home through XXXX XXXXXXXX XXXX in XXXX, in XXXX the mortgage was purchased by XXXX XXXXXXXX XXXX in XXXX GreenTree purchased our mortgage and then in XXXX Ditech has merged with GreenTree. I was unaware of any kind of problem with Ditech Inc, ( Account # XXXX ) until I ran my credit report. They are reporting my payments being late from XXXX XXXX to current XXXX XXXX from 30 to 120 days late, our mortgage has not been late during this time frame and has been paid on time per the written contract with XXXX Mortgage signed in XXXX. Ditech is not honoring the contractual agreement terms of the mortgage holders that they have acquired. They are reporting my account past due {$7000.00} as of XXXX XXXX, per my bank records going back to XXXX XXXX XXXX my account is current. They are also charging me late fees when per the original contract signed with XXXX their is a Grace period from the 1rst of each month until the 15th, not considered late if paid prior to the 15th of each month. There are 8 instances on my Credit Report where they are not reporting the payments that were made to both GreenTree / DiTech Financial and the balance being unchanged. They are also incorrectly reporting the payment amount that was made to them for the months that are reported. They are incorrectly reporting the balance owed on my Mortgage.
Consumer complaint received 2017-04-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (GA)

I have had CACH LLC impact my credit signifcantly with XXXX accounts on each of the credit bureaus for accounts I never owned I have submitted FTC affadavit & police report as well as ID verification and I contacted them and spoke with them but I still see the negative information reporting on my cedit.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I recently reviewed my credit reports and noticed some errors. On XXXX XXXX, XXXX I wrote a letter to the Equifax credit reporting agency to investigate these errors. The error in question is related to credit inquiries which do not fall under the allowed " permissible purpose '' as described by the Fair Credit Reporting Act 15 U.S. Code 1681b. On XXXX XXXX, XXXX, I received a response back from Equifax indicating that an investigation had been done. The investigation results only stated that the inquires are " a factual record of file access ''. with no further information provided. The results of the investigation that I received does not follow 15 U.S. Code 1681i - Procedure in case of disputed accuracy describes in detail the procedure that is supposed to be used for proper investigation or errors by Equifax.. As described in the Fair Credit Reporting Act, I asked for Equifax to supply me with - the name and title of the person that requested my report - the date that I allegedly gave permission - And the method that I the creditor claims that i allegedly gave permission. I asked to include documentation. ( none received ) Instead in the response I received from Equifax, I was asked to contact the creditors in question. ( essentially, I am the one being asked to conduct the investigation! ). No further information was provided. This does not follow 15 U.S. Code 1681i -  Procedure in case of disputed accuracy of the Fair Credit Reporting Act which Equifax is legally required by law to follow. In light of this, I am appealing to the CFPB to intervene. Thank you.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial (SC)

On XX/XX/XXXX and XX/XX/XXXX I received messages from an attorneys office. The reason for the call was not stated in the message. I had to play the message 4 times to get the phone number to call. When I returned the call I was connected to a very aggressive man, who claims that his firm XXXX and XXXX have been retained by Spot Loans to collect money from me on a payday loan I obtained. I am the victim of identity fraud from 2013 when someone hacked the SC Department of XXXX tax records. XXXX accounts were hacked. XXXX was XXXX of them. They say I received {$850.00}. I have never obtained a loan online. I have fraud alerts on all my credit files plus I have disputed many entries. Neither man would listen to me and said I was a criminal. I have asked both of them to stop calling me and I have hung up the phone on both of them. Their phone number is XXXX. 
Please get them to stop calling me. They are even talking to me about items on my credit report. They have no right to obtain information on my credit reports. They were asking about different accounts that are listed.They are also calling from a local number to deceive me. 
I am recovering from a total XXXX XXXX and these calls are very upsetting. 
XXXX XXXX XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mid-Atlantic Finance Co., Inc. (IN)

Under distress I am filing a complaint against ( Creditors attorney ) XXXX XXXX for continuation of garnishment after completion of filing bankruptcy Chapter XXXX. The timeline of dates and monies will support the attorney has lacked to proceed with proper protocol to discontinue garnishment ; which is considered illegal. XX/XX/XXXX - Initial garnishment ( {$300.00} / 25 % of wages ) XX/XX/XXXX- Paid {$1500.00} legal services to file Chapter XXXX Bankruptcy XX/XX/XXXXXXXX Attorney filed Chapter XXXX petition ( garnishment total {$4300.00} ) XX/XX/XXXX - Attended mandatory court hearing ( informed trustee and attorney garnishment has not decease ( garnishment total {$5200.00} ) XX/XX/XXXX - I was contacted by my attorney office to inform garnishment has been resolved to expect post garnishment check within 10 business days from creditor XX/XX/XXXX - Contacted my employer Human Resource and XXXX XXXX I was informed by both parties no communication has been received to discontinue garnishment Also I contacted my attorney and explained the continuation of garnishment XX/XX/XXXX My attorney office called me to advise a check for {$310.00}. I refused to accept the check considering the amount is totally incorrect XX/XX/XXXX - ( Creditors attorney ) XXXX XXXX XXXX @ XXXX : XXXX XXXX ( spoke w/ XXXX ) Asked the following : What was the dollar amount of check issued for post garnishment? ( {$310.00} ) When was creditor notified of bankruptcy? ( XX/XX/XXXX ) When did creditor notify my employer to stop garnishment? ( In XXXX with no specific date ) After asking why the delay in stopping garnishment and incorrect dollar amount, XXXX became combative and indicated no monies will be given. Regardless of their unethical behavior until they receive all monies garnished. She emphasized no monies prior to filing bankruptcy will be given back. Although my attorney has requested the 90 days and I might the requirements. The called ended abruptly with no explanation of process and how this error will be corrected. XX/XX/XXXX - Called XXXX Garnishment XXXX @ XXXX XXXX XXXX indicated no release details and no modification status
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

In  XX/XX/XXXX  we g ot a mortgage with   XXXX   XXXX    who sold to   XXXX   XXXX   XXXX   ,who sold to   XXXX   XXXX  : With none of these banks did we have an escrow  ! I   currently have a filed complaint against  XXXX  with this department , complaint number   XXXX   : This complaint today is against Ditech to whom   XXXX   sold my mortgage to: 
 As in the complaint against  XXXX  , ditech was sold my mortgage with an ESCROW in which was illegally initiated by  XXXX ! However Ditech collected my escrow and kept placing my monthly  mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both   XXXX   and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from     XX/XX/XXXX  to XX/XX/XXXX  , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance!  Over   XXXX   went into escrow! Suddenly it disappeared in   XX/XX/XXXX !!! Th ey are scammers!
Consumer complaint received 2017-08-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Hi, I was working with Navient on my private student loans. net over documentation several times to them uploading through their portal and sending via email ( at least 5 times ). Each time, they claim non receipt. All while this is going, they told me that my account is being place in forbearance and there would not be a payment as they are reviewing the documents and setting up my payment plan. I kept calling only to get wither your paperwork was not received again or it is with the VP for review during his monthly review of accounts, however, have no worries as they will accept the payment arrangements we have established. Long of short, I called after my credit report showed 90 days late. Today it is showing 120 days delayed. This is inaccurate as I have paid monthly payments.
Consumer complaint received 2017-07-19
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. (NM)

XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.
Consumer complaint received 2017-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (AL)

Security finance in XXXX al. Has called me 3different times today from 3different numbers. Within 5 minutes period which is creditor harassment. Even used personal cellphones an company numbers. I told them i am filing bankruptcy stop calling me. They continue to call after i have contacted a lawyer. This violates the cfpb laws.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

We pulled our credit report today and sa w Portfolio Recovery excessively pulled my credit report. A collection agency may only pull the credit one time a month. Portfolio recovery pulled my credit 6 time s in  XXXX    XXXX   sometimes just days apart damaging my credit. There have been other months they have pulled my credit more than once.     There have been harrassing phone calls to myself and wife for years sometimes multiple times a day despite us telling them to cease. They have called us during work hours on our cells phones causing problems and embarrassment at our places of employment.
Consumer complaint received 2017-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (IL)

No actions were taken n any of them, amountso roughly about {$22000.00}. Dates r as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2017-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

After the response by   XXXX   XXXX   XXXX   XXXX    Operations Counsel in Paypal, which he sent me by the post as well as through complaint No.  XXXX  , I   DISPUTED it as almost everything   XXXX   XXXX   stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying  XXXX   XXXX  was LYING EXTENSIVELY. I also contacted  XXXX   XXXX  on   XXXX   XXXX    2017, to  his email address appearing in his letter : "  XXXX  XXXX  XXXX  ''. Later, on  XXXX   XXXX ,    2017,  I emailed  XXXX   XXXX  with key information showing him that  Paypal  DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided   XXXX   XXXX   the URL which shows that :     XXXX   XXXX     XXXX   XXXX  As   XXXX   XXXX   NEVER r esponded to  both email messages, I called him to his office number (  XXXX  )  XXXX  and as he was never reachable in that number I called him to his mobile number (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017.   XXXX   XXXX  then stated he was with another call and I briefly said would re-email those  2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that  XXXX   XXXX  promised to call me back but he did NOT do it. As  XXXX   XXXX  did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ).      As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as  XXXX   XXXX  NEVER responded, I have no other option than making another complaint against  Paypal  but pointing out his miserable and uncooperative attitude.