davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
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: EQUIFAX, INC. (IL)

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX
Consumer complaint received 2017-12-15
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. (IL)

I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Management Solutions, LLC (MD)

In XX/XX/2015, Financial Management Solutions, a collection agency, contacted me on my personal cellular about an outstanding debt they claimed I owed. Among other things, they failed to send me a 'Dunning Letter '' within 5 days of contact in regards to their attempt to collect the debt they insisted I owed which would have allowed me my right to dispute within 30 days, as well as violates my rights under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. In addition, Financial Management Solutions also violated the Fair Credit Reporting Act, by reporting this debt to the Credit Bureaus before allowing my 30 day right to dispute period.
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA (NY)

I am a XXXX and work XXXX, all of which qualify for the public service student loan forgiveness program. I have been on the program for several years. I have XXXX things I need help with. 

First, unfortunately, when I first went on the program I was mistakenly told to sign up for a type of government student loan which did not qualify. I found out and changed to a program which does. 

The problem is, I ca n't find out exactly when I was put on a qualifying program so I do n't know how many more payments I have to make to reach the 120 payments required on a qualifying loan and have the rest of my loan forgiven. 

When I called the Department of Education to ask, they told me they do n't know and I have to call my current loan servicer. But when I called them ( MOHELA ), they said they do n't know and told me to call the Department of Education. 

In the meantime, because individuals combining several part time jobs must work an average minimum of 30 hours per week to qualify as a full time employee and get the loan forgiveness after 120 payments, I have to have a combined XXXX and office hour load of 30 hours per week. This is because most schools will only certify the hours I XXXX and hold office hours when they fill out the employment verification form I must give to the government, even though they know my work load is much heavier. ( I also have to XXXX, etc. ) A normal XXXX load requires XXXX between XXXX- XXXX classes a semester for a total XXXX time of about 9 to 15 hours a week plus one or two office hours a week. I 'm doing double that XXXX load. I would like to cut back my XXXX, but can not do that until I have made the 120 student loan payments under an approved loan program. 

Can you please tell me how to find out how many payments I have already made under the required loan plan so I can know when I can cut back to a more normal teaching load. 

Second, Could you also do something about requiring schools to XXXX work more hours then just those XXXX, and include those other hours on the work verification forms we have to turn into the government to verify our work loads. There are many job where the employee is 'out of the office ' but still obviously working many additional hours per week ( inspectors, real estate agents, visiting nurses, plumbers, house painters, etc. ). Can we please do something about this. It is my understanding that for the Affordable Care Act a school has to put about 2 1/2 hours work for every hour a XXXX. That 's a reasonable approximation ( if understating the work most of up put in ).
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Consumer complaint received 2017-12-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HMSV Financial Services, Inc. (OR)

First contacted this loan officer who took my income information and made a pre-approval for the amount of a home I was looking at, it was hitting the max end of our pre-approval but she did it anyway. When our buyer of our home wanted us to pay closings costs, $ XXXX, I asked XXXX if this would be a good idea, she said that we would maybe have $ XXXX leftover if we paid our buyers closing costs, if we purchased this home we were looking at. There was a lot of communication back and forth with XXXX she kept asking for items I had already sent her, and pretty much rushed us through the process. I do not recall any sort of pre-counseling of sort or notice regarding not using your credit cards when in the process of trying to obtain a mortgage. Also, I ended up not paying my mortgage because I was using that money to make repairs. From the months of XXXX through XXXX is when our loan was pre-approved. Then, come the day we were finishing up on closing on our loan all of a sudden this lender says we are not qualified. Actually, I could not even get a hold of XXXX after she emailed me and told me that we were no longer approved. I tried calling all day Friday and the remainder of the weekend. I was basically blown off and given no chance to fix the deficiencies. We literally had already sold our house based on XXXX 's professional advice. They must have done something procedurally incorrectly, well they did, we had ten days until we were homeless at that point. We could not breach our contract with our buyer. We scrambled and there was no apology, no response, no nothing. I spoke with XXXX XXXX, her supervisor, the mortgage branch manager, he had no idea about our file or what was going on. It was awful to know no one cared that our us and our XXXX kids would be homeless. We were lucky enough to have our seller rent his house back to us while we are ( stlll ) trying to correct the deficiencies that XXXX apparently did not catch ( or her team ). This is a complaint against the entire department. There is no oversight nor care in the way XXXX or her team do their job. I am writing this complaint in hopes that this does not happen to anyone else that they may work with on a home loan, there needs to be reprimand, although I think XXXX should be fired for this behavior. The only person at that company that even remotely helped or answered the phone was XXXX XXXX. This company should not be allowed to do business unless they are in the business of making families homeless.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Debt was placed on my credit without my knowledge and I had never received any collection notices ( 3 as required ) before hand about the debt. I just so happened to notice it when I checked my credit one day. I asked the company to verify the debt to be mine, 100 % accurate as well true and verifiable according to reporting laws and they did not. They refused and told me they had a right to collect regardless when I contacted them.
Consumer complaint received 2017-02-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NJ)

I received my XXXX degree XX/XX/2016. I am employed as of XX/XX/2016 I am so willing to pay back my private sallie Mae loan monthly via direct deposit but the term of the loan is unbearable to my income ; it is for 8 years at about {$1000.00} per month. ; my total annual salary is {$40000.00} sallie Mae will not extend my loan nor help me. 
I am a single XXXX year old female who will turn XXXX XX/XX/XXXX and I need to pay rent, pay medical, car insurance as well as dental insurance plus gas for my car and utilities. Please tell sallie Mae to lower my monthly payment and extend my loan Thank u
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northstar Location Services, LLC (IN)

I have sent a letter to Northstar Location Services informing them of a do not call and disputing the debt. We received phone calls repeatedly almost every half hour each day and leaving multiple messages. Just today on XX/XX/2016 at XXXX, I received a phone call at my place of work which is a government complex and did not give them consent to do so. This company and violated the FDCPA by contacting my place of work which is a government institution and should not be receiving outside calls such as this.
Consumer complaint received 2017-03-10
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION (IL)

Today, I applied as a co-signer for my daughters Sallie Mae Student Loan. I am XXXX and there fore my source of income comes from XXXX. The application was denied based on fraud. They made false claims against me in regards to my credit worthiness. I was also told by a supervisor that they do not base approval on the fico score. I was told credit scores have nothing to do with their decision making. But, in the denial they told me my credit score is adverse. I am accused of having delinquent accounts. And I am also told too few accounts get paid as agreed. These are lies. I feel like they just did not like the fact that my source of income comes from XXXX. Why would they have to lie about my credit report? The only reason would be if they had another reason as to why they wanted to deny me. And they could not find anything negative enough on my report to HONESTLY deny the loan. So, they MADE UP LIES. I bet there are many borrowers that receive employment income with a whole lot worse credit then myself that they have approved for loans. My daughter is devastated. She needed the loan to complete her schooling. I was also told that they only go by credit worthiness of showing ability to pay. I do n't have negative collections showing up on my report. How many other loans get approved for those who income is from XXXX? Probably none. After what they did to me today. I would not doubt that at all. Can anything be done about it?
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AR)

I have had numerous issues with US Bank Mortgage from the start and one id the statements that have shown they have not received payment and the statements reflect NO payment when in fact they have by my bank statements, I attempted to rectify the process of them getting payment from my bank earlier to reflect payment received and after that failed I stopped the auto payment process from my checking account and received a letter from US Bank stating that if the stop auto payment was not per their requirements they would continue to draw payments from my Bank checking account. I have decided that mailing payment would be a way to see to it the payments were posted or received faster, and that has proven to fail. On XX/XX/XXXX, I mailed a payment to US Bank mortgage division with payment coupon and then after XXXX weeks and still showing of posting of or proof of payment recieved I mailed yet another payment and I called US Bank yesterday to inquire as what or why there has been no evidence of either payment on my account as of yet and there was no response from the employee and no explanation or evidence of either payment of {$1000.00}. I have received numerous letters stating what I have to do or they will do such as continue to remove funds from my bank account with out authorization and other sort of threats of what they will and can do. I spoke to them yesterday and stated from now my payment will be delivered certified or return mail receipt to prove that US Bank mortgage has received payment.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (WA)

An account was opened with Citibank for a in store credit card at Bestbuy. Citibank has not cooperated with FCRA and has not provided accurate payment history, balances or statements. Additionally, they are not accurately reporting payment history and balances to credit bureaus.This account is signed up for paperless billing and emailed alerts. Their online disclosure states that signing up for these features will provide alerts for upcoming payment due dates. However, that has not been the case. They are not following their billing and statement policies provided to consumers. Citibank is not complying with their paperless billing. No online statement is available to verify payment history, balances or purchases. They do n't provide alerts until payment is past due. However, when setting up paperless billing Citibank informs consumers that signing up for paperless billing Citibank will provide notification to consumers regarding upcoming payment due date, access to statements and payment history. 

Additionally, when opening this account for a same day purchase Citibank allowed overages on this account without consumer consent. When applying for the card at Bestbuy the credit balance approved {$1100.00}. This approved credit was provided via receipt and by a Citibank representative on the day of credit approval and purchases. After checking the credit report Citibank reported a high balance, over the limit, of {$1000.00}. A call was immediately made to Citibank to dispute the claim and the inaccuracy. However, Citibank representative and supervisor refused to allow or file a consumer complaint/dispute to dispute their claims. Citibank claimed : When the card was charged {$1100.00}, the purchase was over spending limit by {$100.00}, further alleging the credit balance was only {$1000.00}. For clarification purposes of this complaint the total amount of purchases was {$1200.00}. When the items to be purchased were swiped, Citibank approved the purchases up to {$1100.00}. The remaining balance beyond {$1100.00} was paid for in cash. Citibank claims they decided to " extended credit '', however this was done without consumer knowledge or disclosure. Moreover, there was not consumer request for extended credit or balance increase. Furthermore, Citibank provides no such policy or consumer disclosure for Citibank to operate in that capacity to decide to '' extend credit '' to consumers without consent and notification. 

Proceeding forward since opening the account, payments have been made on time. Again, Citibank has not provided accurate statements, recorded payment history to consumer, nor have they allowed consumer access to those records in-compliance with FCRA. This has damaged consumer creditability on the credit report, damaged the credit score, resulted in denial of credit elsewhere due to their inaccurate history of payments and balances. These inaccuracies have been reported to Citibank ; however, they refuse to comply with the request pursuant to FCRA.
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MN)

My credit reports have an adverse action submitted by Southwest Credit Systems, LP, XXXX XXXX XXXX, # XXXX, XXXX TX XXXX. Telephone number XXXX. It indicates my address is in XXXX - I live in XXXX. The creditor is XXXX and I have never had an account with XXXX.
Consumer complaint received 2017-12-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

The company that I want to file a complaint about is Navient. Navient took over XXXX XXXX student loans while I was still attending college. Out of all of my private student loans they are by far the worst company and are unlawfully using deceptive debt collecting practices. 
I have no forbearance left and I am currently recovering from a major XXXX XXXX and I still need to get the other hip done as well so I am unable to work at this time. I have explained my situation to Navient and they would not help me the lowest they would go for my two loans was XXXX dollars a month after i told them I am living under one income and living paycheck to paycheck of my husband 's income as well as my cosigners who are my grandparents both widowers and living on a low fixed income. 

Navient for months has been harassing myself and my family at all hours of the day 7 days a week and from all over the country. What really concerns me about this company is what I recently found out. Within the past few weeks, my uncle 's new wife ( so no connection to myself anywhere ) and my father-in-law ( who also is n't listed in connection to me on any of my social media sites etc. ) have been called from the same woman who goes by XXXX who works for Navient phone number XXXX extension XXXX. I have no idea where and how they are finding these people and their contact information but they call and completely lie about their identity. She has called and said the same story to both people. The story she gives is that she is looking for me and that we are working on a project together and that I have the people she contacted unlawfully listed as my associates. When my father-in-law called and told my husband what happened he gave us the number and we called it and it says thank you for calling Navient. Plus she left her extension number so, it concerns me that they are basically giving or would give private information to parties that are not associated with the loans they have in my name considering she left ways for them to reach her. 

What this company is doing is completely illegal, the entire above situation is the epitome of deceptive debt collecting practices, which I read about in the Fair Debt Collecting Practices Act on the FTC website. What is concerning about this deception is not knowing where and how they are finding these people and contacting them, lying about who they are as well as if they called back and see that it is indeed Navient, what would Navient do? Would they take money? Would they give away private information? The questions and concerns are endless. So not only is this company lying about who they are as well as contacting people that are not associated with this loan they are taking harassment to the next level, they never stop they are ruthless and something needs to be done to stop this company from abusing consumers like me. I would list phone number but they call from all over the country so we never know what is the right number etc.