davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-02
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Financial Asset Management Systems called me on XXXX XXXX, 2015, after I had already sent a written cease communication to them under complaint number XXXX. FAMS agreed in writing under complaint number XXXX on XXXX XXXX, 2015 to not contact me anymore. I called FAMS on XXXX XXXX, 2015 and recorded the phone call to get a statement balance and payments made on the account. During the phone call on XXXX XXXX, 2015, which I recorded I again expressed to FAMS that they were not to call me because it 's my work phone however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS had previously agreed in writing on XXXX XXXX, 2015, not to call me again or contact me again however they proceeded to call me on XXXX XXXX, 2015. It is debt collector harassment to continue to call even after receiving a written cease communications letter. FAMS should not be attempting to call me nor write to me because they agreed in writing on XXXX XXXX, 2015 in a separate CFPB complaint ( XXXX ) not to contact me again however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. I am suffering from severe emotional distress as a result of Financial Asset Management Systems debt collection harassment.
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company (CA)

I am concerned and would like to bring this to light. I applied for a home loan with Guild Mortgage, XXXX XXXX branch. The Loan Officer was XXXX XXXX, who is also the branch Manager. What concerns me is I never met with him. I met with his assistants, XXXX and XXXX. They reviewed my documents, went over a loan scenario with me, quoted me interest rates, my payment, down payment, etc. I asked when I would be meeting with XXXX since his name was on all of the douments I was signing, and was told he was not available but they were his assistants and they could help me. I asked XXXX why her name wasnt on the forms she said she was not a licensed loan officer and XXXX was the licensed loan officer of record. I asked if XXXX was licensed since she was the person explaining all the forms I was signing. She also said she was not and didnt need to be. That made me feel very uncomfortable. I had XXXX unlicensaed people explaining all the legalities of my loan to me, yet the actual licenseed " professional '' was no where to be found. I would like to know if this is normal practice?
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CO)

I 'm a XXXX and currently begun my career. However, my income is not sufficient to cover my living expenses and pay for my student loans. Because of this situation I was delinquent on my Sallie Mae loan payments. I spoke with a gentleman named XXXX who is a Manager in the Sallie Mae collections office. We discussed my financial hardship and he advised me to bring my account current before they could help me with special hardship assistance ( lowering my interest rate and monthly payment ). I have brought my account current and called Sallie Mae to take advantage of the special programs that XXXX XXXX had covered. The Sallie Mae servicing department is not able to work with me because my account is not past due. I 'm being proactive about my account not falling into delinquency again but the only way Sallie Mae will offer me any hardship assistance is if my account falls into delinquency again. They are adamant that unless my account is delinquent that I can not speak with a Collections representative about special hardship programs to lower my monthly payment. The Sallie Mae servicing department is only offering me a financial forebearance for 3 months while the interest builds on my already un-affordable student loan. Based on my conversation previously with XXXX XXXX of the Sallie Mae Collections department the programs they can offer me a lower interest rate on all of my loans to that I can have a income dependent payment and do not fall into default.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I was approved for a Loan Modification fixed rate for ear term, effective XX/XX/XXXX. My pmt changes monthly and their web portal says I have an ARM that will change XX/XX/XXXX. I sent in a message with a copy of the Loan Mod asking for the correction and why I was being charged monthly for foreclosure fees. They replied it is an ARM with a change date of XX/XX/XXXX. Never answered my other question or looked at the Loan Modification.
Consumer complaint received 2015-08-28
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Select Management Resources, LLC (MD)

I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (NY)

On XX/XX/XXXX, I received a debt collection notice from Accelerated Inventory Management , LLC claiming I owed a debt of XXXX to XXXX XXXX. I disputed the debt with the debt collector on XX/XX/XXXX requesting debt verification. The debt collector failed to provide verification within the allotted time frame. 

Due to the lack of debt verification, I was forced to defend myself in court when Accelerated Inventory Management , LLC filed a lawsuit to collect the alleged debt. I appeared in court XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to this matter. In each instance, the case was adjourned because of failure of the petitioner to appear/provide proof of the alledged debt. During the court hearing on XX/XX/XXXX, the judge dismissed the case with prejudice because the debt collector could not provide debt verification. 

Since then this account, XXXX XXXX, has riddled my credit report with derogatory marks. 

I am filing this complaint with the CFPB to request the following : I request that XXXX XXXX and Accelerated Inventory Management , LLC be ordered to cease all communication attempts regarding this alleged debt. This includes phone calls, letters, and any other form of communication. 

I request that XXXX XXXX and Accelerated Inventory Management , LLC be instructed to remove any negative information regarding this debt from my credit report. 

I request that XXXX XXXX and Accelerated Inventory Management , LLC be instructed to delete any and all information regarding this alleged debt from my credit report with all three major credit reporting agencies. ( XXXX, XXXX, and XXXX ) Attached is a copy of the court order dismissing the case with prejudice. 

The debt collector 's failure to provide debt verification resulted in unnecessary legal action and has negatively impacted my credit report. I kindly request the CFPB to take the necessary steps to ensure XXXX XXXX and Accelerated Inventory Management , LLC ceases all collection attempts and corrects any negative reporting on my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- INQUIRIES -- - XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I went into a payment deferal program with XXXX XXXX  and the reported me XXXXXXXX XXXX XXXX days late several times on my credit report. I was told it would show current on my reports or i wouldnt of deferred my mortgage payments. XXXX XXXX failed to provide the information or i wouldnt of done a payment deferral. I was never late on my mortgage.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (VA)

I received a notice from my mortgage company, XXXX XXXX, that my mortgage would be reduced. Unfortunately, I did n't pay attention to the date of the change ; it was effective XXXX not XXXX, 2015. I paid XXXX, an amount that was {$1.00} short. I was notified by email that they refused the payment and that PNC Bank was notified that the payment was to be returned to me. That occurred on Thur., XXXX/XXXX/15. XXXX XXXX also notified me that a correct mortgage amount needed to be paid. I submitted that payment, {$1200.00}, on XXXX/XXXX/15. That money was removed from my account on XXXX/XXXX/15. As of Monday, XXXX/XXXX/15, my first payment was not yet returned. I contacted PNC and the XXXX XXXX. Both said they did not have my funds. At some point, PNC noted that a 3rd party vendor that processed online bill payments MAY have my money. I was told that I could initiate a dispute to help get the funds returned to me. I was also told to contact the 3rd party vendor. I asked for help in doing that by way of a XXXX way call, but was told they did n't have the capability to do that. After several calls, PNC dispute services told me that I needed to sign a " Written Statement of Unauthorized Debit ( ACH ) '' to verify that I was filing a dispute. I asked for the form to be emailed to me but was told it could not be, that I would have to wait for it to arrive my USPS mail or I could obtain it at the local PNC branch. I had already gone to the branch when this issue began and was not told about this form. I went to the branch in XXXX XXXX, VA for a XXXX time. I requested the form. I was told they did not have the form. I told them I had been directed to get it from them by the Dispute office. Again, I was told they did not have such a form. I left very upset. I called the Dispute office again the next day or so. The first think I was told was that it appeared that I had cancelled my Dispute claim. I emphatically insisted that was NOT THE CASE and that my money had not yet been returned. I also told them about my XXXX visit to the local branch ; they got the local branch on a separate phone line and directed them on how to locate the form for me. After all of this, the next day on XXXX/XXXX/15, I could see that there was a pending transaction for return of {$1200.00}, my XXXX incorrect mortgage payment. Meanwhile, a representative from PNC called, but I was unable to determine the name. I called the number left, but it was a main number. I was unable to contact the person calling since I had no extension. I did call the Dispute office and left a voice mail for the XXXX person I worked with most to say my money had been returned. WHAT A STRESSFUL and upsetting experience. ( I did my best to put these events in chronological order ; I apologize for any error. ) To date, I have not spoken to anyone from PNC that has expressed regret over this situation or to ensure that my funds were returned and accessible to me.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

filed a dispute for inaccurate information on my credit report, but I received an email from the credit bureau claiming that they assume the disputes are coming from a third party. In reality, the disputes were submitted by me directly. I even called them to confirm my identity, but they still refused to process my disputes. This situation has been very frustrating, as I spent money mailing my disputes and sent personal information through the mail to verify my identityonly for them to fail to thoroughly investigate the matter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. I DID NOT AUTHORIZE THIS ACCOUNT AND DONT KNOW THE COMPNAY OR ADRESS. THE PAYMENT HISTORY SAY 30 DAYS XXXX TIME XXXX BUT XXXX EXPERIAN. THIS IS NOT VALID. 
XXXX  Account Number : XXXX REMOVE AND DELETE XXXX. THIS ACCOUNT DOES NOT HAVE ACCURATE INFORMATION AND I DIDNT AUTHORIZE IT. 
PAYMENT HISTORY SAYS DIFFERENT ON EVERY REPORT. LAST PAYMENT SAYS MAY ON XXXX BUT XXXX ON EXPERIAN. HOW CAN ITBE COLLECTION BUT CHARGEOFF JPMCB CARD Account Number : XXXX DELETE AFTER REINVESTIGATION XXXX. I DID NOT AUTHORIZE XXXX ON MY CREDIT REORT OR KNOW OF THIS. I DONT RECOGNIZE IT. THE OPEN DATE IS DOFFERNT ON EVERY REPORT. The last paymet say XXXX on XXXX BUT XXXX ON XXXX. This is a big ERROR XXXX Account Number : XXXX DELETE AND DELETE XXXX. THIS IS NOT AUTHORIZED BY ME. THE ACCOUNT SAYING CHARGEOFF AND COLLECTION. IT CANT BE BOTH.THE OPEN DATE IS DIFFERENT ON EXPERIAN AND XXXX HOW CAN THIS BE. 
XXXX XXXX  Account Number : XXXX DELETE FROM MY REPORT TODAY XXXX. This account is not authorized by me and I DONT KNOW WHO XXXX IS OR HAVE BUSINESS WITH THEM. THE ACCOUNT SAYS COLLECTION AND CHARGEOFF BUT CAN BE BOTH. IF WHY IF THE DATE OPEN DIFFER ON XXXX AND XXXX AND EXPERIAN. ISNT THIS A BIG MISTAKE XXXX Account Number : XXXX PLEASE REINVESTIGATE AND DELETE XXXX. I DIDNOT GIVE PERMISSION OR AUTHORIZE THIS ACCOUNT. PAYMENT HISTORY IS ALSO OFF. 
PAYMENT SCHEDULE SAY 90 DAYS LATE XXXX TUMES ON XXXX BUT XXXX  TIMES ON EXPERIAN. IS IT CHARGEOFF OR COLLECTION. THE AACOUNT IS AN ERROR AND DAMAGES MY REPUTATION XXXX  XXXX  Account Number : XXXX PLEASE DELETEl
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (OH)

ribe what happened so we can understand the issue ... 
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2015-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Niagara Capital Recovery LLC (VA)

I was called by a processor ( showed " private number '' on caller i.d . ), XXXX XXXX on XXXX occasions on cell phone and home phone that I wpould be served at my office or home for not paying a 2010 closed checking account if I did not contact what I know to be Niagara Capital Recovery. I was scared and called the number. A XXXX XXXX put me on hold XXXX while he supposedly contacted the original creditor. In the end, I gave him my debit card info. After the call, I realized I didn'nt even know the name of the company, I was so intimidated. I called the collections dept of the original creditor who said they 'd not had any contact whatsoever with XXXX XXXX, that the phone number I had for him was not who they 'd sold the account to and that the amount he was trying to collect was almost {$250.00} above the charged off amount. I cancelled my card and have since received more calls from them and a purported process server. Where do I go from here and are these people legitimate?