davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (FL)

hello my name is XXXX XXXX. i 'm in dire need of ur assistance. re : hamp, my pay for perfornance incentive. facts : im in my 6th year to rec'v $ XXXX. my anniv. date is XX/XX/XXXX. i 'm closing XX/XX/XXXX altho ' im in good standing my mortgage company is saying i need letter from treasury to say okay to close and still rec'v my incentive of $ XXXX. since i still lived here on anniv. date. and closing 3 days after anniv date. otherwise, they will not pay me. can you please help me? i wish to close on XX/XX/XXXX and not XX/XX/XXXX. it messes everything up. i had just spoken to treasury dept this morning, and guy told me treasury is n't paying me directly ( he checked using my ss number ) treasury is paying your mtg company, so as long as you are in your home on your anniv. date of XX/XX/XXXX, i  should be entitled to my final payment. to call my mtg company. i just did and left message. can you pls call me? i have been in contact with XXXX XXXX since XX/XX/XXXX ; first the denial of my $ XXXX was bcos i was not in good standing, i proved i was, she checked with my mtg company who agreed with me ( XXXX ) that i was in good standing. then i was n't eligible bcos i am closing XX/XX/XXXX, and my anniv date is XX/XX/XXXX. so i moved it to XX/XX/XXXX. to play it safe. now, its bcos treasury is paying them around XX/XX/XXXX, so since my loan has been paid in full i am not getting my monies. since when it goes by when treasury issues funds to mtg co?? its the anniversary date from what i been told 7 years ago!! i did all i could by calling everyone for help including writing letter to President Trump this morning. I can not afford to change my closing date, as it will cost me more monies with airlines ( for moving men to fly home ), rental truck, etc ... .. i am XXXX years of age and certainly do n't need this stress or runaround. i called XXXX XXXX XXXX this morning letting her know that i s/w treasury, and he told me its not federal, and not paying me directly. pmt made to mortgage company and they can send me seperate check to new home address when pmt is received to them by treasury. yet they seem to fight me on this. please help me. i 've done all i can. thank you for your time and attn. sincerely, XXXX XXXX XXXX
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: Experian Information Solutions Inc. (GA)

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about it.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

1. I had a forebearance at Navient for my student loan payment and they reported me to the credit bureaus as delinquent. 
2. Navient told me that all my forebearances, even those that were administrative in nature ( forebearances resulting from time Navient needed to reconfigure my monthly payment because my income had changed ), would count against the total forebearances I was allowed for my lifetime. I believe this is wrong.
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 — Old information reappears or never goes away
Company: ID Analytics, Inc. (VA)

SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed.
Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them.
My score with XXXX is appro
x XXXX. SageStream appears to suffer more than a lack
of due diligence. They seem unwilling or unable to function as they 've been authorized to function.
Please do a web search to find numerous similar complaints.
I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th
ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra
m eventually pays.
Consumer complaint received 2018-05-01
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. (GA)

On XX/XX/2018 I started receiving notices that my credit was being checked by XXXX XXXX car lot. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX car lot and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
Consumer complaint received 2017-08-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

i took out student loans with XXXX XXXX now navient back in the late XXXX to early XXXX due to the fact i was enrolled in college and i wasnt able to get grants so i got in major debt by taking out student loans in order to attend and graduate from the university of XXXX in XXXX since then i have had my loans temporarily placed on hold by forebearance, courtesy holds, and deferments. i dont have the dates or time frames for any of these available but all of this has taken place since XXXX to the present XXXX i am still in major debt to navient formerly XXXX XXXX. navient has never tried to suggest to me to attempt different repayment options and chose to place me on the aforementioned holds whenever i called them thus making my interest to be capitalized throughout the years and thus causing my total that i owe to become even higher and keeping me in perpetual debt to them. and even now or recently i have applied for student loan forgiveness, income driven repayments, etc to only be rejected each time by navient and this is not fair. they are completely unwilling to work with me or help me in my financial situation. the excuse is always my gross income is too much but what they fail to realize is even though my gross income may not  qualify me i have alot of debt from credit cards and other monthly bills that have to be paid that makes it very diffficult to pay each month what navient demands. i l need help here.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (TX)

My loan defaulted with XXXX XXXX XXXX XXXX XXXX. The company has not made it easy for me to negotiate a repayment schedule and they also will not listen to my life situation. My loan defaulted, and I did not agree with the decision that the loan should go into default. I made a payment within the daily limit. Great Lakes has been sending communications about my student loans and default to an address that I was evicted from in XX/XX/2016 ( XXXX XXXX XXXX XXXX, TX XXXX ) and continues to call the address. My father also took fund from my account without my permission, further complicating my situation. My family lives there and they have no interest in helping me. I have not had a consistent home or phone service since. They had my tax refund " offset '' ( {$2.00} ), which I need to pay my rent NOW because I have been served a notice to vacate. I need my refund immediately so that I do not get evicted again, which will further damage my credit and just make my life even harder. Great Lakes has continued to apply fees ; and now that the loan has been in default I have tried to contact them and they did not give me ANY options until I found out how to write a complaint to the CFPB. When they found out I knew how to do this, they submitted a " hardship packet '' which takes THEIR average family income, which should not apply to me because I am in a " special '' circumstance. Great Lakes also refused to tell me which company I should put into a complaint with the CFPB, and they then refused to clarify who now serviced my loans, delaying me even further and further complicating my financial issues.
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I submitted an application for  Public Service Loan Forgiveness ( PSLF ) to FedLoan Servicing. I have not been credited the correct number of payments for my current employment. I called FedLoan Servicing and was informed that I was not eligible for PSLF with my current employer (   XXXX   XXXX   ),  which is why my payments are not credited. However,  3 payme nts for  XXXX  loan and  2 fo r the other were credited according to the statement I received. It does not make sense why there would be differing numbers of qualifying payments.     I am also confused as to when I entered into a qualifying payment plan  for PSLF as the National Student Loan Data System only has information for my current repayment plan.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on  it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (CA)

This debt has been disputed -- This debt has not been verified with any original documentation from the original creditor. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them into thinking they owe this debt and trick people into making a new contract for debt payment so that they can restart the statute of limitations.. Part of their letter states the same -- but a part of it was torn in transit, and i can not read it. That is why the uploaded document looks like it does.
Consumer complaint received 2017-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I ed learn that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I contacted Transunion and asked regarding this glitch but I was told that is not true, I reviewed my credit report and noticed that the inquiries are back in after being deleted. They added back without giving me legally required written notice 5 days prior to them be re-adding, these inquires are a hardship and my rights were violated by transunion.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (CO)

XXXX XXXX at XXXX XXXX I called in to the credit card department to get information about the terms of the account. Specifically, I wanted to get the terms and conditions of the account in regards to the interest rate and interest free period. The representative I spoke with told me that as long as I do n't make any additional purchases the current balance would not be subject to any interest for the duration the account is open. I asked the question 4-5 times and in several different ways and the representative continued to give me the same answer. The agent never sounded unsure, reiterated the same answer, and never asked for help from a supervisor if he did n't know the answer to my question. Because of this information I made financial decisions that I would not have made which are now creating damaging repercussions. XXXX XXXX I found out that my account was being subjected to interest when I was making the minimum payment. I called BBVA Compass and told them my situation. They told me that they would have to file an escalation report and go through the proper channels. They told me they would call me in a few days. XXXX XXXX I never heard back from Compass in regards to the escalation report. XXXX, the XXXX branch representative told me that I should 've been contacted by now. She decided to look into the matter further. When she called me back she told me she could n't do much because she is not a part of the credit card department. She told me the escalation report is in progress and that I have to keep in mind that that I signed an agreement and whatever I was told on the phone does n't matter. XXXX XXXX I did n't receive a call from Compass so I called them to inquire about the escalation report. They were giving me the run around and making re-explain the events. When I pressed them about my dissatisfaction they finally got the escalation report started although they had been telling me that they had already filed it. They said they would review the taped conversation and get back to me regarding my complaint. XXXX XXXX They finally finished their escalation report and called me back. I was told that I signed an agreement and that the conversation I had with the agent on XXXX XXXX does n't matter. I was told that I misunderstood the representative that day and the tapes reflect that. This is not true according to my notes and my recollection of the conversation. I asked if I could get a copy of the taped conversation and they said not without a lawyer or legal scenario. I have already accrued {$220.00} in interest which I could have avoided if given the proper information from the beginning. As a reasonable person, the conversation I had with the agent on XXXX XXXX amended the written agreement and I should not be subject to any interest on the account.
Consumer complaint received 2017-02-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC (TN)

This collection has been paid in full, but it is still showing on my credit report. I would like for Consolidate Recovery Systems to remove the account as agreed. 


CONS REC SYS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Original Amount : {$100000.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Pay Status XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XX/XX/XXXX
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

I received a 'Notice of Rights to Cancel PMI ' from my mortgage company. I emailed them on XX/XX/XXXX to dispute that they told me I was not eligible when I called. Their reasoning on the phone was that my loan was not old enough and would need to pay to get an appraisal, however my broker said since I have invoices of work completed on my house to backup the increase of value when I had an appraisal done at refinance in XXXX that I should qualify to have it removed without needing appraisal. At the time of my call my mortgage balance was XXXX % of the scheduled value- and the letter states that once it reaches XXXX % if should automatically terminate. I emailed Freedom Mortgage copies of the contract for improvements completed in XX/XX/XXXX, a copy of the refinance appraisal from XX/XX/XXXX, and a copy of PMI rules sent to me by my broker showing that since I made improvements I should not need a new appraisal to be eligible to have PMI removed. I received a letter dated XX/XX/XXXX that I would receive a response within XXXX business days but still have not received any response.