davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Loan Science, LLC (TX)

I have a student loan with XXXX XXXX, XXXX. I was 19 days late with one of my payments. I received a call from Loan Science LLC as a debt collector asking me to pay my loan on XX/XX/2020. When I received the call I scheduled a payment directly to XXXX XXXX  XXXX to set my account current. The representative at loan science called XXXX  and verified my payment was scheduled. After that call, I've received 3 other calls to me and my co-signer requesting payment even though payment has already been made. Every time we tell them to please verify before they call and they continue to harass us. They're even spoofing other people 's phone numbers to get in contact with me. They've called me with XXXX ( pulls up as XXXX XXXX XXXX and XXXX, but if you look on their website the number they have posted is XXXX.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (WA)

I RECENTLY REFINANCED MY HOME LOAN THAT I ONCE HAD WITH XXXX XXXX. AS WE WERE CLOSING, XXXX XXXX  FOR WHATEVER REASON SOLD MY MORTGAGE TO " FREEDOM MORTGAGE ''. MY PAYOFF CHECK GOT TO XXXX XXXX AND XXXX XXXX ACCEPTED THE PAYMENT AND CLOSED OUT THE ACCOUNT. ALL THIS HAPPENING WHILE FREEDOM MORTGAGE IS NOW TRYING TO COLLECT A MONTHLY PAYMENT FROM ME. THIS IS A COMPLETE ERROR BETWEEN XXXX XXXX AND FREEDOM MORTGAGE. I HAVE ATTACHED A COPY OF THE " CLOSING DISCLOSURE '' SHOWING PROOF THAT MY REFINANCE WENT THROUGH SUCCESSFULLY. FREEDOM MORTGAGE NEEDS TO BE DELETED FROM MY CREDIT ASAP! THIS IS A COMPLETE VIOLATION.
Consumer complaint received 2021-05-21
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. (FL)

I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates appeared on my credit report recently this year and I never heard of them. Upon further review they are a debt collector and had an account for XXXX XXXX for a person whos name I never knew. The provided me with the supporting evidence they have that I am on the account. Yet as you can clearly read my name is not on the account and or any supporting documents and Portfolio Recovery Associates also misspelled my name on the letter head they sent to me. The documents state a purchase was made XX/XX/2014 at XXXX for the amount of {$1900.00} with a cardholder not my name or signature. Another purchase was made XX/XX/2014 at XXXX for the amount of {$850.00} with a cardholder not my name or signature.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLAZA HOME MORTGAGE, INC. (FL)

Plaza Home Mortgage has denied my request for a loan restructuring for over two years now siting that the holder of the note will not allow it according to their Loss Mitigation Department. Plaza Home Mortgage is the note holder after some investigation and their admission. I was advised I would receive a face to face interview with a company called ( XXXX ) XXXX XXXX XXXX , XXXX to go over my account and to help save my house from foreclosure. I was told they would contact me and I should just wait. I never received any contact from XXXX, nor would Plaza give a number for them when I called. Plaza then placed my home in foreclosure and is now adding an additional XXXX to XXXX dollar per month onto the balance without clarifying what the amount is for on the statement or in a letter. They have also been returning my payments but siting in one of the denial that my account was not seasoned with payments so they could not restructure the loan.
Consumer complaint received 2020-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (LA)

In 2010, I started school at XXXX XXXX XXXX in XXXX XXXX, LA. School went as planned after graduation however, everything immediately turned into a never ending nightmare. This institute was sued for predatory lending and i was a victim of its bad practices. If that wasnt enough i could not find a job in my field, my transcript was not available to me, nor was my payments being sent to lower my loan balance. The loan was then consolidated without proper paperwork. I made payments for over a year it wasnt calculated and it also gave me late pays on my credit report. This institute is now affecting me for a mistake I made in allowing myself to fall victim of this predatory scheme.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Equifax XXXX XXXX Last Updated XXXX XXXX XXXX XXXX Payment Status Not more than two payments past due Account delinquent 60 days past due date Worst Delinquency 30 days past due 60 days delinquent Balance {$19000.00} {$19000.00} Credit Limit 2-YEAR PAYMENT HISTORY
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I attempted to transfer all my money out of HSBC early this year following their plan to cease personal banking business in the US. My account got suspended when I tried to transfer the money to my account at another bank for no reason. After repeatedly calling HSBC for resolution, someone from Fraud department instructed me to email them an empty check or a statement to verify my ownership of my account at another bank. I sent them the required information promptly in XXXX. It has been over 2 months and it has been radio silence on the XXXX side and my money remains frozen for no reason. XXXX 's conduct has caused unnecessary financial distress for me and my family. The fact that XXXX made no attempt to communicate, provide notice, or provide any update on the issue is stunning. This level of customer treatment is a such violation to a whole host of CFPB consumer protection rules and UDAAP. I also wonder if such a treatment is as a result of my race and origin.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Ever since The Money Source which potray 's themselves as a mortgage servicer when all they are is a debt collection company aquired my FHA mortgage I have had nothing but problems, harrassing phone calls, harrassing letters and Unauthorized Interest, FEES or CHARGES to my Home Mortgage loan. The Money Source can not explain the FEE 's and CHARGE 's they have charged me over the period of time they have had my mortgage. I have contacted their Customer Careologist as they call themselves requesting coipes of the so called " Property Inspection reports '' they have charged me for, I have requested coipes of the " Survey 's " they say they have had done and i have been charged for, i have requested copies of the Vacant Property Registration they charged me for and questioned why they did that when I live on my property, I have questioned the charges for XXXX XXXX charge and the XXXX XXXX XXXX charge. They cant Explain all of the charges and fees and they refuse to give me copies of what they are charging me for, or even explain themselves. They claim these fees and charges are corporate advances. I have requested a copy of my Loan Contract where it shows these Fees and Charges maybe possible but they refuse. The Inspections they claim to be having done they are charging me {$20.00} each time here are the dates i have XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I was charged {$180.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so far XX/XX/XXXX this totals upto {$460.00} in charges. The Surveys they claim to have had done they have charged me {$35.00} each on the following datesXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which has costed me an additional {$210.00} in fees then to add to it the XXXXXXXX XXXX on XXXX/XXXX i was charged {$290.00} the XXXX XXXX on XX/XX/XXXX i was charged {$24.00} and the Vacant Property Registration which is a complete lie by The Money Source on XX/XX/XXXX i was charged {$25.00} all these false anfd FAKE charges and Fees total so far up to {$1000.00} in unexplained and Unauthorized FEE 's and CHARGE 's. Also instead of The Money Source Paying my Homeowners Property Insurance out of my ESCROW like they are suppoed to be doing they took it upon themselves to not PAY my Homeowners Insurance and let it LAPSE so they could place their own policy on file at a cost of double what my policy was that i had ever since I first got the home. The Money Souce Charged me {$2100.00} for their policy and never informed me of them placing it on my home, nor did they ever inform me that they DID NOT Pay my Homeowners Policy causing it to LAPSE. My original cost for Insurance was {$1100.00} per year when they DID NOT pay the renewal my policy went up to {$1600.00} that is an increase of {$510.00} every year. they were also supposed to " reimburse me the {$2100.00} for the policy they had taken out with out my knowledge or concent but they didnt.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (KY)

I was notified by XXXX XXXX that a debt collector had place a unpaid debt to my credit reports. I had never been emailed, written mailed or called about this debt. I called the company and they admitted they did not contact me. They have stated that they will remove the negative report that they unjustly and illegally put on my credit. But have stated that it will take 5-45 days. That may just be too late. 
Company information ERC XXXX XXXX XXXX XXXX FL. 
XXXX XXXX Ticket number for my case XXXX I have never had a debt collection on my credit. I'm 15 days away from signing for my first home loan. My family and I have already given up our current home. What are we supposed to do if my loan is turned down because of ERC illegally putting this bad mark on my credit.? 
My family and myself are devastated. I am a XXXX XXXX XXXX man with a family that depends on me to provide for them. I have XXXX  XXXX XXXX and just came out of a pandemic that has made life very hard for people with XXXX  conditions This has dropped my credit score over 20 points and I'm not sure I can rebuild it fast enough to continue with my home loan. I could possibly be sue by the home seller and my family and I will be scrambling to find a place to live. 
Here 's the kicker the debt was for {$83.00} with a company that I am still a customer with
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (LA)

Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2017-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CONDOR CAPITAL CORP (KY)

I have contacted condor capital several times requesting that they send me a 10 day pay off amount with the 1 day perdiem and the payoff address. This has been ove r 2 weeks. They told me several time that it will only take 24 to 72  hours to receive the forms. I have yet to receive anything. I am trying to refinance my car with another company and they refused to provide the information. which is causing not to have to car refanance
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX TransUnion XXXX Last Updated XXXX XXXX XXXX XXXX Payment Status Not more than two payments past due Account delinquent 60 days past due date Worst Delinquency 30 days past due 60 days delinquent Balance {$19000.00} {$19000.00} Credit Limit 2-YEAR PAYMENT HISTORY
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (WV)

Cavalry SPV I, LLC refuses to validate debt after multiple attempts. 
On XX/XX/2021, a 609 letter was sent to bureaus and Calvary to validate debt through " physical verification of the original signed comsumer contract ''. 
A response was received on XX/XX/2021, Per your request, please find enclosed the verification of your debt. Your account is now subject to resumption of collection efforts. The only thing attached to this letter was an erroneous bill without any verification and without giving me a chance to respond by stating my collection efforts will resume. 
The next day, XX/XX/2021, I sent a failure to validate letter again stating my rights by law and laws stating they need to validate further. 
On XX/XX/2021, I was sent exact same generic letter and erroneous bill without any changes in response. Cavalry only changed the date at the top of letter and sent same exact information to me.

After sending yet another letter for verification, Cavalry sent the same exact information a third time on XX/XX/2021, without any changes except the date. 
Cavalry is not only giving me the run around with validating they are completing lacking abiding by the law and the consumer by ignoring all requests and simply copying and pasting same responses with only a change to date.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report
Consumer complaint received 2021-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OH)

I have been getting different information from FedLoan Servicing regarding the public service loan forgiveness ( PSLF ) program. There have been problems throughout the entire term of the loans with respect to how payments have been calculated, but I have been employed with a qualifying employer for well over 120 payments at this point. I called to inquire about how to submit for loan forgiveness. I was told that I would need to submit the PSLF Certification and Application form once to certify my continued employment and calculate qualifying payments, and then submit it again for the process of loan forgiveness. I submitted the application form ( as I have done annually for years ) on XX/XX/21 and had no response with regard to qualifying employment status or payment counts. When I called to follow up on this on XX/XX/21, I was told that because it was submitted via means other than the PSLF Help Tool that processing would likely be delayed, and could be given no time frame on when this would be reviewed. There was never any indication that one modality of submission would result in any difference in processing time. I still had no update through XX/XX/21 and contacted FedLoan Servicing again. At that time they suggested that it would be faster to resubmit the application through the PSLF Help Tool, which I have since done on XX/XX/21. I was also informed at that time that the form would only need to be submitted once, and that I would be automatically submitted for loan forgiveness if I had 120 qualifying payments on the loans. The inconsistency of information provided leads to confusion and increase potential for errors/further delays. I am also concerned that this could lead to a denial in loan forgiveness if submitted incorrectly. If payments resume in XXXX, this could translate to thousands of dollars in unnecessary costs to me due to delays and misinformation, which is unacceptable.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I financed a car with santander on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated