davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was not approved for a transaction I was purchasing with my credit card one day last summer, and when I called the bank they stated the account was on hold for a bankruptcy. I then went to get my credit report from online and saw a bankruptcy and judgement that I have no knowledge of whatsoever. I then went to file a police report, I sent documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. The reporting agencies are not following lawful procedure. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently. This item did not occur as presented. Please contact the government agency that is reporting it to verify the detatils, if you do not remove it from my records provide me with written proof of every detail shown in your entry. This is some information I have requested from this credit reporting agency, and I 've yet to received any correspondence about the fraud to be removed.
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

I currently have my loan under Freedom Mortgage and under contract through them pay into an escrow account that is to be withdrawn in the amount that is due for property taxes for my home. My taxes were due on XX/XX/2017 for XXXX County TX, when viewing my Freedom Mortgage 's website I see a transfer for the full amount and a very brief transaction message that only displays the day " XX/XX/2017 '' that the payment was " supposedly '' sent, however the county has received no such payment, in fact I have had to play the middle man with the tax collector and freedom mortgage for the past 2 months, and nothing has been fixed, I 'm being riddled with late fees, and if this is not fixed soon, I could lose my house. Freedom Mortgage has offered little to no aid when I call in, and they are not treating this issue with the urgency that is required. I need this fixed, and I need your help to do it.
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

XXXX XXXX Hospital performed XXXX ' that have been paid for in full, via payment plan. Account was turned over to collection company before first billing from hospital. This is a scam. There is no way to pay the hospital, except through the collection company. Have tried to resolve, falls on deaf ears. The collection ( billing ) company is Central Financial Control.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX/XXXX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Tran Union because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " XXXX '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XXXX to XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XXXX/XXXX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX 24/7 and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Checked my credit report and saw that there is a judgment against me. The reference number is XXXX. 
I have disputed this Judgment directly with XXXX XXXX and they advised me that they are unable to validate any judgments between XXXX XXXX and myself and therefore should be deleted from all XXXX credit bureaus agencies. Please see attached their response requesting advising that it should be removed immediately from my credit report.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (FL)

I am currently paying between 7.5 % and 6.25 % interest on my loans. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to make money, but they were given money at 0 % from the FED and charge me 7 % for something that is helping society if I get a job and pay taxes. This is an issue that must be dealt with.
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank has been cancelling my cards and/or lowering my available credit based on ( they say ) some score from XXXX. The ONLY negative impact to my score is what they are causing and then they use the negative impact to do it again! I have contacted them and the only answer I can get is they " use a score provided by XXXX '' I have been working very hard to get my score back up after a bankruptcy and it was working until they started doing this practice. My payments are on time and I have lowered my balances which should have a positive impact but the harder I try the more they defeat what In have accomplished. They even cancelled a card that had a XXXX balance! They have a monopoly on store cards so this is a VERY big problem for me
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (TX)

Civil judgement and eviction has been removed from all XXXX credit bureaus, but 3rd party agencies ( i.e. LexisNexis, XXXX, XXXX, XXXX, XXXX/XXXX, etc ) are still reporting it. The creditor is showing up under XXXX ( XXXX/XXXX ). This is making it very hard to be able to rent anywhere else.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.
Consumer complaint received 2017-04-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have written a certified letter with return receipt to Portfolio Recovery Associates that was received on XX/XX/2017 and signed for by XXXX XXXX. The debt they are trying to collect on is beyond the statute of limitations and they repeatedly call after verbal requests and subsequently a letter. Their last call was by XXXX XXXX on XX/XX/2017 at XXXX, where she was informed of my letter and receipt by the company. She noted that the information was not uploaded into my account. This is the second call that I have received since I have gotten confirmation of their receipt of my request. This complaint is due to their violation of the law and not honoring my request.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (OH)

I was unknowingly enrolled in discover cards payment protection service since XX/XX/2009. I kept seeing the charge randomly on my bill and thought it had been a required service since I 'm positive I had never signed up for it. I researched it today and found out that they had a lawsuit against them for this service. I called discover and voiced my concern about feeling taken advantage of because I 'm fairly poor. They kept telling me the best they could do was reimburse me for six months. I 'm not satisfied with six months because they 've been charging me for this service for eight years now. They kept insistining that 's the best they could do. I feel really taken as a tale of at this point and hope there is something I can do.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (TX)

I have been receiving collection notices from XXXX different XXXX collection companies, attempting to collect this amount, for at least a year to two years. 
The first company failed to validate the debt and ceased communication with me when it failed in its duty to validate. After there were no longer communications with this company, I received a second set of collection notices from a different debt collection company seeking the same amount of money. XXXX obviously sent the alleged debt off to a different debt collection company when the first was not successful. 
Again, I asked in writing for validation of the debt from this second company as required by law. The validation failed to identify the debt 's particulars in order for me to determine if it was a valid debt. After I pointed this out in writing to the debt collection company, it sent me a letter stating that the debt would not be collected upon and that my credit report would not reflect that the debt was under collection. I assumed XXXX would honor this resolution. 
Today, XXXX is trying to collect this alleged debt from yet again a third debt collection company -- even after a finding by its own debt collection agency that there is no valid debt and that the debt is off my credit report. 

XXXX continues to try to collect this debt despite my attempts to learn more about it ; contest it again ( at least six times already, including times with XXXX directly and despite a finding in my favor by its second collection agency ). I also contested this debt when it was directly an issue between me and XXXX. XXXX continues to hold this debt against me, continues to harass me with different debt collection agency notices, despite findings that it is not my debt from their own agents. Furthermore, XXXX continues to carry this debt in its accounts as delinquent. 

This third collection agency sent me a letter within days after I called XXXX to look into changing my service with it. XXXX said it could not change my service unless I paid this old, contested bill. That was when I found out it was still on my records with XXXX. It continues to share information wrongly with debt collection agency after debt collection agency. What is even more egregious is that XXXX used my communication with it for different service to reassert the alleged debt, and also to deny me a change in my service. Fortunately, I did not agree in writing to change my service with XXXX at that time because of XXXX anemic business practice history with me, both personally and through my business.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I, XXXX XXXX, at XXXX XXXX, XXXX MD XXXX, and I am a Capital One customer who is UNEMPLOYED. I have received reports from my neighbors that some irate man has been coming to my house, bypassing the intercom, aggressively banging on my door, during times when I was out at an interview or a skills enhancement session, leaving a no information business card containing my name and a number to call, see attached, in the crack of door stating to be from the XXXX Court of Maryland. Feeling harassed and upset I called the XXXX Court of Maryland and was told that Capital One filed suite in XX/XX/XXXX against me for approximately {$1800.00}, XXXX, although I was laid off from my job in XX/XX/XXXX 

I am UNEMPLOYED. Why are they treating me, an unemployed female, so extremely unreasonably poorly? What does Capital One expect to achieve by handling my being unemployed this way?
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding is attempting to collect on an account from XXXX and the amount is incorrect. This company is currently being reported for indulging in malpractice and manipulating delinquency dates. The company has violated the FDCPA or the Fair Debt Practices Act.
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ENCORE CAPITAL GROUP INC. (TX)

I was served by Midland Funding LLC. The person who Midland sent to give me my debt claim citation presented himself as an XXXX County Deputy officer. When I asked for his officer batch, he refused to show me his batch.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Riverwalk Financial Corporation (CA)

I 'm former student of XXXX college XXXX XXXX CA XXXX. After this campus closer they have handover lender to collect XXXX loans to one lending company XXXX amount of {$3300.00}. And I have start to paying my outstanding amount with them in monthly basis. And in the meantime another lending company Deville Asset management reached to to my credit reports and they do the collection in my XXXX credits. 
I spoke to them and they promise to remove my collection from my credit reports. But nothing happened yet. I have reported to XXXX and still under investigation. I need to take out my collection from my credit report and increase my credits score.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rauch-Milliken International, Inc. (MI)

Continued attempts to collect a debt I do not owe from ( XXXX ) by a collection agency/attorney ( Rauch-Milliken International Inc ) with intimidating collection letters, threatening ; negative credit reporting, court dates/costs/judgments, attorney fees, bank/asset garnishments, etc.
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

An erroneous credit inquiry was associated with my credit report. Because the algorithm that calculates FICO scores relies on the number of inquiries made in the prior 2 years, the erroneous inquiry negatively impacted my FICO score. The inquiry hit my credit report within 3 days of the incident. After faxing the request to remove the erroneous inquiry to Equifax as instructed, I am told it takes 60-90 days for the inquiry to be removed. According to XXXX, whom I worked with on this issue, " That is standard industry practice and there is no alternative. '' In the next 60 days I have to move. The erroneous hit on my credit report and resulting decline in my credit score will cost me money, as the score is used to determine the deposit required on a new apartment. Given the power of the FICO score, it is totally unreasonable for Equifax to take 60-90 days to remove an error when it takes less than a week from an incident for the error to appear. By comparison, it takes only 41 days for Equifax to report its corporate earnings for the entire year to shareholders -- a far more complex task than removing an error from a single individual 's credit report.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC (CT)

XXXX XXXX is showing a 10-year-old debt under XXXX that I do not have. I tried to file a dispute with XXXX but as soon as I hit enter on their form the dispute form submission request was rejected because there is no account number, it does not exist on their records nor can I enter a complaint number which they will not issue to me without filing the complaint form. However, within one second I received a harassing phone call from ERC asking me to verify my address and other personal information. I want XXXX & ERC or whoever they are to remove that debt from my personal records without having to pay them the monthly subscription to their services that they want from me to be able to review their bogus records. Who are they and why are they allowed to conduct these kinds of businesses? Why are they allowed to make money by harassing people without proof of debt? Please advise ... Thank you, XXXX XXXX
Consumer complaint received 2017-04-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DC)

I was approved for XXXX private loans between XX/XX/XXXX and XX/XX/XXXX. The loans totaled just under {$50000.00}. I now owe almost {$100000.00} on for them despite having made almost continual payments since my college graduation in XX/XX/XXXX. These loans were serviced first by XXXX XXXX and then by Navient from XX/XX/XXXX to XX/XX/XXXX, at which point I was able to consolidate them with a move reasonable company. During those 9 years, the loan servicers were incredibly unforgiving of any personal or financial hardship I experienced. During my mother 's illness and death I was unable to work as I was caring for my mother. XXXX XXXX was unable to put me on any sort of payment plan other than the full amount, which forced me to defer my loans which increased the total amount owed significantly. Following that, they were unwilling to enroll me in any possible payment plans, frequently telling me there were no plans available for my loans. The debt of these private loans has prohibited me from buying a home, traveling, and experiencing other typical life events, despite working XXXX-XXXX jobs at all times to pay them back. I currently pay more in student loan payments each month than I do in rent in XXXX. 

The most alarming part is that I should never have been given these loans in the first place. I had no established credit at the time. Now, as an adult, I do n't understand how I was even allowed to be given these loans. I make a lot more money and have significantly better credit now and can not receive a loan of that size. I understand that the CFPB is sueing Navient and cases such as mine have been included. Would my loans fall under this lawsuit as well?
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (NM)

This is a disputed response to previously filed claim against Paymap and Western Union CFPB Complaint Number XXXX. 

Paymap issued a stop payment for the re-issued check in the amount of {$520.00} after it was deposited XX/XX/2017. My bank issued a notice of returned deposited/cashed check due to return reason : Stop Payment by Paymap Inc. Attached is the stop payment notice I received from my bank. I was not able to collect promised amount due to the above reason thereby I am disputing Paymap 's response. I called Western Union/Paymap 's Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX but there was no one to answer my call despite several trials. 

I am formally submitting a compliant to have Paymap re-issue the payment of {$520.00} in the form of Cashiers Check issued to the correct pay to the order of : XXXX XXXX as originally disputed on claim. Mail payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.