davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (GA)

On XX/XX/XXXX and XX/XX/XXXX Factual Data ran my credit for XXXX XXXX XXXX under false pretense. The original loan applicant was my mother XXXX XXXX and she was seeking to refinance her property. I was told by the loan officer to submit my information but did not know they can not refinance under my name as my mother is the current owner of the property. To which the company apologized but said they do not know how to remove the inquiry. The second time on XX/XX/XXXX they ran my credit again and when approached had no idea why that happened. The company informed me that there must have been a glitch in the system and that once again they do not know how to remove the inquiry off the credit. All the conversations were recorded and can be requested by the company.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I called synchrony bank and spoke to several managers and employees and finally spoke to supposedly the highest manager XXXX employee ID XXXX. I requested a copy of my XXXX billing statement but was unable to receive a copy to this day. I had misplaced the original copy mailed to me and didnt realize it would be pure XXXX to obtain another copy otherwise I would have secured it. XXXX advised they do not email fax text or any other format other than mail will send me a copy of my billing. Also the mailed copy can only be received 7-14 business days. The issue I explained I had was I was closing on a mortgage of a home purchase and needed the documents within 3 days. I was advised they can only fed ex it to me 3-5 business days as the only other alternative. I expressed how urgently I needed my own statement but no employee nor the manager cared. He spoke with attitude and could care less about my issue. I am not asking for much just my own statement and as a creditor it should be their responsibility to provide documents quickly and efficiently. I was unable to purchase the home due to lack of this documentation. I asked for an online option through their online application but they advised because I was not previously signed up for the online billing even though I signed up on XX/XX/XXXX they still would not send me a XXXX statement. I am furious and want this to be addressed. I asked for my terms and agreement where it says they will refuse sending me documents if I need them quicker and received a letter from them with terms that I read and do not include any explanation for why they can not send it electronically to me or fed ex over one day. In fact I to this day have not received a copy of my XXXX statement. This is unacceptable! I asked how I can complain from XXXX the manager and he gave me only the address XXXX XXXX XXXX XXXX XXXX Utah XXXX and I sent them a letter. He had no phone number to provide.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (TX)

My wife and i both went to university XXXX XXXX with student loans from XXXX. We were defrauded by XXXX and we are not able to pay the outrageous amount of money they want back. We both received our associates degrees and received loans in the amount {$25000.00} each for our degrees. Our payments were about {$800.00} each after we got out of school, which was about 10 years ago. We were told by XXXX we can just put our payments on hold until we could afford the payment. We now owe about {$60000.00} each on those loans. There is a lawsuit toward XXXX that we would like to be part of. We were defrauded on the loan system. Our names are XXXX and XXXX XXXX.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TN)

I am a victim of identity theft. I noticed a collection account on my credit report that is a result of fraud. The collection account is CREDIT MANAGEMENT LP and the original creditor is XXXX XXXX. I have never done business with XXXX or used any of their services. This account is not mine.
Consumer complaint received 2022-02-17
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. (PA)

I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2020-04-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

We received an Escrow letter on XX/XX/XXXX that said we were behind on our escrows due to not paying enough on our mortgage. We were paying the amounts if not more that we were billed each month. When I called to inquire on why our payments were increasing monthly, they explained our first payment note from our previous mortgage holder was not calculated correctly and that our payments were now doubled. I requested to speak with the escrow department to whom could not explain how this happened and referred me to the loss mitigation department. I was then told to file for a modification in XX/XX/XXXX. I did and they increased our mortgage payment from {$1600.00} to {$4100.00}. Then we applied again in XXXX and they increased our payment to {$5100.00} and then they put us in a bind financially, liquidating our retirement and putting our other bills behind. The last time I applied for a modification was XX/XX/XXXX and they increased my payments to now {$6100.00}. We never were behind until now and this has been so stressful in trying to get someone in management to care enough to help us. They keep calculating our gross income incorrectly when we sent in pay stubs and W2 's. Please see we are asking for help in saving our home.
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

Security Service Federal Credit Union has refused to comply with the Freedom of Information Act to a debt validation request submitted on XX/XX/XXXX. The requested documents are the following : A copy of the original contract that includes the wet ink signatures of all parties involved. Provide verification and authentic documentation that there is a valid basis for claiming that I must pay the debt. ; Provide all original authentic accounting records, ledgers and bookkeeping journal entries, including tax filings for these consumer accounts ; Provide verification, documentation and proof of authorization that you have the right to collect ; An accurate and authentic accounting records, ledgers and bookkeeping journal entries for the request of credit extension made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a statement of disclosure clarifying the reason for rejection of the request ; An authentic accounting of all voluntary payments made to account # XXXX, as well as for any closed accounts for XXXX XXXX XXXX SS # XXXX XXXX A statement providing clarification of account XXXX, the current status and most recent records of performance of this account ( dividends earned, dividends paid etc. ) ; An authentic accounting of all coupons/dividends and including unclaimed coupons/ dividends for all active and closed accounts/securities owed to XXXX XXXX XXXX XXXX XXXX  XXXX Security Service Federal Credit Union did not provide a statement or reason for adverse action on application for credit submitted to XXXX on XX/XX/XXXX and was denied, despite remaining in good standing on account XXXX, thereby violating ( 15 USC 1691 ( d ) ( 6 ), 12 CFR 1002.12 Security Service Federal Credit Union responded to my request for authentic accounting records information with XXXX ( XXXX ) most recent billing statements for account XXXX, which is non-compliant to GAAP accounting and records for a financial institution. 
Security Service Federal Credit Union is still sending collection notices to my residence despite having not provided valid proof of a debt. 
Opportunities for remedy to these violations are listed in the notice delivered on XX/XX/XXXX and were ignored by Security Service Federal Credit Union Please note that this complaint will also be forwarded to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

THE DISPUTED INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THESE INACCURACIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and The CA EDD are currently in cohorts to not release any new UI to its citizens. The online CA EDD phone number has been de-activated this past week along with BofA taking no responsibility over their fine print stating they can process Emergency Funds from your UI prior to the card arriving. This is not the case.
Consumer complaint received 2022-02-17
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: ACIMA CREDIT, LLC (CA)

The Financing company ( Acima Credit ) Allowed someone to pickup an order in my name and against my credit. I have filled a police report, as well as attempted hundred of methods of contact with this company, with no reply. My email is tracked, so i know they have opened and read my emails. I am trying to work with them, however they are refusing to work for me.
Consumer complaint received 2016-12-14
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (CA)

I currently carry a student loan, which was originated through XXXX ( educator ) student loan services. In approximately XX/XX/XXXX of this year the loan was sold by educap to American education services ( AES ). I was informed via email of these changes and was informed that all auto enrolled payments would be transferred over to AES 's payment system. Several months passed with my automatic payment being deducted as usual on the XX/XX/XXXX of each month. Approximately XXXX months following the transition I started receiving a tirade of XXXX phone calls and emails relating that my account was delinquent and that payment was needed in order to avoid a derogatory credit report. I reviewed my bank statement and verified that the payments were indeed being processed. I was greeted only moments later by AES at which time I spoke to a representative. I informed the representative of my situation and he related that XXXX was still receiving my payments and that until the payment transferred to them ( AES ) the collection phone calls and emails would continue. I expressed my strong disapproval with this practice, concidering I had done nothing but make my payments on time. In the end there was no resolve to my problem and to this day I receive approximately XXXX phone calls a day from AES. My bank statements prove that the payments have been made on time every month and further more the last XXXX payments have been processed by AES. It is unfair and unethical for me to haggle with creditors everyday for a problem that clearly lyes on the shoulders of AES. I feel harassed, abused, and have spent countless hours of my time and effort in this matter and am seeking resolve.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

CMRE collection agency put a collection account on my credit without contacting me, nor letting me know who the original creditor is. I sent written request via certified mail asking them to validate the debt. They refuse to provide validation yet they continue to report the erroneous account on my credit. CMRE are in violation of SEC. 809B OF THE FDCPA
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I have been trying to get my PMI cancelled for a couple months now. Over these couple months, I have called my mortgage company, NewRez, numerous times and have consistently received incorrect and inconsistent information. Their employees clearly aren't trained well enough to know the rules regarding PMI removal, as I received different information each time. They record all of their phone calls so there is evidence of this claim in their systems. I finally seemed to reach someone who knew what they were talking about, and we were able to get an appraisal scheduled by an appraiser chosen by NewRez. I was informed that that would cost me at least {$400.00}. 

The appraisal ( technically a " broker price opinion '' ) valued my property at {$750000.00} and was dated XX/XX/20. On that same date my principal balance was {$540000.00}. That put my loan-to-value at 73.2 %. My loan is in good standing. The loan is current, there has never been a late payment, and there are no subordinate liens on the property. On XX/XX/20 I still was charged for PMI, and have tried to contact the lender numerous times. Each time I was on hold for over 30 minutes before giving up or the call just automatically disconnecting. I did submit a written request again through their system, and I just received a letter today, dated XX/XX/20, telling me that I do not meet the requirements to cancel PMI. The letter did not give an explanation of why. They are going to now charge me for the appraisal and continue charging PMI, despite a 73 % LTV.
Consumer complaint received 2016-07-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MO)

I am a XXXX Veteran, XXXX. XXXX. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ XXXX and have paid on it for about 10years and I still owe around $ XXXX+ on it. And I can no longer afford to pay for it, it is either food for my XXXX boys or this loan? So it 's not a hard decision for me to make but it 's just ridiculous that this company enjoys to profits off of me and XXXX others in a country that I defended for 10 years +, so they could continue that right .... but they ca n't even cut me a little slack ... it makes me sick that this can happen in the country I was proud to go and risk my life to defend! Please anyone help in anyway that you can, it has gotten bad enough I have resorted to begging .... a warrior brought to his knees by a corrupt corporation! Remember the companies are : American Education Service and National collegiate Trust!! Modern day extortionationates.
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

XXXX at around XXXX or XXXX ( idk how my phone lists calls -- the time may show the beginning or end of the call ) I called & tried to pay my XXXX payment with XXXX different checking accounts to total my usual {$1300.00}. I spoke with a XXXX XXXXXXXX XXXX female who processed a {$1300.00} payment from XXXX of my accounts but then told me her system was glitching and showing the XXXX payment would come from the same account as the XXXX payment if she continued the transaction. The rep recommended I try to pay the next day via the website. I tried paying the next day but the website would only allow me to pay the full {$1300.00} mortgage payment. I called Flagstar as soon as I got the chance & asked for a supervisor/ someone in charge of adjusting payments after having been told by the rep that the whole {$1300.00} payment would only be applied as of the next day from that day ( the XXXX ) -- after the XXXX {$1300.00} was reversed. The supervisor ( XXXX XXXX ) XXXX at 1st repeated what the rep had said ; I advised XXXX that I would be contacting the FTC because it was not my fault her 1st agent could not process XXXX payments XX/XX/XXXX ; nor was it my fault their website would not allow me to. XXXX ended up saying she would make sure the whole {$1300.00} payment was applied as of XX/XX/XXXX rather than XXXX. Flagstar never adjusted my payment to reflect having been paid on XXXX. This transaction ended up costing me not only the XXXX days of interest more than what I would have paid ( & over XXXX hours of my time so far ), but increases the interest I pay going forward ( based off per diem & increased principal ). This is an unfair business practice that needs remedied. 
Thank you.
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 TransUnion received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.
Consumer complaint received 2022-02-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CO)

I have contacted the Department of Education, Equifax and XXXX to help me remove the paid account off my Equifax credit report. No one has helped me resolve this problem on my Equifax report it Is still reporting the Dept of Education loan account, They we paid in full and verfied they we supposed to be deleted and still has not, it is affecting me negatively I would just like to resolve this with Equifax so the loans can be closed off of my credit report since it paid in full. Attached I have the letter of pay off and tax verifications for no more amount owed.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX TX XXXX EQUIFAX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX XXXX TX XXXX