davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

My mortgage was transferred from XXXX XXXX to Specialized Loan Servicing XX/XX/XXXX. Prior to this loan transfer my annual sewer service charge, payable to my county was not paid by the mortgage company. I paid this service charge separate from my mortgage company. 
In XX/XX/XXXX, Specialized Loan Servicing increased my Escrow account to now include this sewer service charge. Even though the mortgagee company accrued the money, it has failed to make this payment on time. Payment was due XX/XX/XXXX, as of XX/XX/XXXX payment is still outstanding with penalty charges. 
I have tried to resolve this issue with the mortgage company numerous times, both by phone and text message. I can not contact the company by phone because my call is placed in an automated continuous voice loop. 
This mortgage company lacks the ability to resolve issues satisfactory and lacks basic communication skills.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I obtained a secured credit card from XXXX XXXX XXXX XXXX XXXX with a deposit of {$300.00}. After 1st month card had {$300.00} charged on it. I paid first payment and tried to close acct. They would not close it. They had my {$300.00} and I had {$300.00} in charges I tried to close acct again. They didn't close my acct they continued to charge me interest on the {$300.00}. My {$300.00} went in their pocket I guess. my acct was sold to MIDLAND CREDIT MANAGEMENT in the amt of {$630.00}. I don't owe them anything and their negative report on my credit report is hurting me. Please help me resolve this. 
thank you
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harvard Collections, LLC (IL)

On XX/XX/XXXX, I was alerted that a collection was placed on my account. When I took a look at it. It was an old parked account that I disputed years ago. The same company IL department of human service. Harvard collection bought the account and put it back on my credit as if I just open and not paying on the account. This account is more than ten years old. And the amount listed is wrong as well. The amount listed is {$6100.00}. I put in another dispute. I took a major hit on my credit after working on it so hard. This information is wrong and out dated. I need assistance with this matter.
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

My account number is XXXX XXXX XXXX Fedloanservicing or Myfedloan.org is the servicer. 

I submitted my XXXX XXXX form from XXXX XXXX XXXX  XXXXXXXX signed by my then employer in XXXX. The form is signed by my employer XX/XX/XXXX. 

My form certified I worked from XX/XX/XXXX to XX/XX/XXXX. 

I made " qualifying payments '' throughout this time. For some reason XXXX payments in XXXX specifically XX/XX/XXXX-XX/XX/XXXX are not credited as qualifying payments. 
That is XXXX payments I am not given credit for despite staying with the same employer. 

I was told by the Fedloan in a XX/XX/XXXX letter that the end date was before the start date. That makes no sense. It is also not true. This is a hot mess. 

I am attaching my last submitted employer certification form that covered this time period.
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.
Consumer complaint received 2022-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan is due quarterly, every 3 months on the XXXX in XXXX / XXXX / XXXX / XXXX On the website on XX/XX/XXXX I logged on to the account to make a payment for the XXXX due date. At the top of the website the account says " XX/XX/2022 Due Date '' with an amount due. I made my payment on the XXXX of XXXX. In late XXXX I received a notice in the mail indicating that my account was 30 days late and I was charged a late fee and now had a payment due on XX/XX/XXXX. I called Heartland ECSI and they indicated that my payment was made too early and that it was considered an additional optional payment on the loan since it came before my statement on XX/XX/XXXX. I let them know that their website very clearly has a due date and an amount due so if I make a payment the common sense assumption would be that you're making a payment toward the due date and amount due listed. 

As another example, my account now says that I have a payment due by XX/XX/XXXX for {$300.00}. I was told if I make the payment pretty much before XX/XX/XXXX ( the estimated statement date for XXXX due date ) that my payment wouldn't be counted for the amount due. I don't understand why their website would lay out in large letters a due date and amount but if I click make payment and make a payment then it won't necessarily count toward the amount due right next to the make payment button. I've attached 2 screenshots from the page showing this layout.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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. (GA)

I submitted a dispute letter back in XX/XX/2021for some accounts that were on my consumer report that are fraudulent and I reported as Identity theft and I am the VICTIM of identity theft!! I'm still seeing these accounts and inquiries that should be marked as identity theft on here. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. I'm tired of you guys playing games with me just because I'm a young XXXX male does not mean I don't READ. And please do tell me you need to take another 60 days to correct this problem its already been 90. I expect this to be done within the 5 business days according to the LAW.
Consumer complaint received 2021-08-27
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: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-03-28
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: Bread Financial Holdings, Inc. (GA)

On XX/XX/2020, someone fraudulently applied for credit in my name and XXXX notified of this and quickly shut down the credit line with XXXX XXXX. I contacted XXXX XXXX and requested the acct be closed and that I never applied for credit with them. The acct is still open in my name, the inquiry is still on my credit report and I want to close this acct AND remove the inquiry from my credit report on all credit reporting bureaus.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses such as 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 I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

so the name of the company is specialized loan servicing LLC. Account number is XXXX Account : XXXX. 

So I am in Chapter XXXX Bankruptcy, but this Mortgage lender is not a part of it, My lawyer has already sent them a Written letter letting them be in contact with me to discuss anything. 

When I login to the Website I get this message " XXXX Not Viewable The Account you have selected can not be updated or viewed at this time. Please Contact Customer Assistance with questions or further information at XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Status : Bankruptcy " Even though I have been with this lender over a year, Never missed a payment and never late on a payment, And my lawyer has already written a letter giving them permission to allow access to all the information explaining they are not a part of the Bankruptcy. 

What I want is to have access like I feel I should have to my information since this is my Mortgage and I have a right to all my information. Very poor Customer service also. Have been treated like I am in default with them and talked down to. 

I Would like for them to apologize for treating me this way and most of all, I would like access to my account again.to
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

Rushmore Loan has shared my loan status with cash buyers who call to force me to sell my condo being just 1-2 payments behind due to the COVID19 pandemic. Rushmore refuses to keep my payment information confidential. Late last year I put a password on my account so that anyone calling for information about my account would need to provide a password, but Rushmore refuses to honor my request. I did this by faxing a letter to Rushmore with the password that any inquirer must provide in order to discuss information about my mortgage account. This was done due to concerns I had when I was contacted by cash home buyers in XXXX when I had fallen behind on my mortgage. However, my mortgage is up to date and I am only 1-2 months behind. Yesterday on XX/XX/XXXX, I received a call from Rushmore saying I was 1 month behind & wanted to know if I was interested in selling my condo to a cash buyer or wanted to create a new payment plan. I was also informed that none of the payment arrangment options previously available were available now. Today on XX/XX/XXXX, I received a text from XXXX XXXX ( XXXX ) who says he wants to buy my condo for cash ( something similar occurred last year, which is why I put a password on my mortgage account ). When I checked online ( https : XXXX  ), I saw that a XXXX XXXX and XXXX XXXX XXXX XXXX are cash home buyersXXXX but neither is a real estate agent in XXXX XXXX XXXX is an estate surveyor in XXXX. Rushmore Loan Managment is interfering with my right to privacy and my right to stay in my home. It could be Rushmore employees that are stealing my data for their personal benefit and selling my information to would be cash buyers. In addition, Rushmore Loan refuses to identify the name of the investor in my condo. Rushmore 's conduct is oppressive and menacing.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CT)

M & T bank pulled a hard inquiry on my credit bureau on XX/XX/2010, using a third party provider that pulls all three bureaus. 

I already filed one complaint and a letter M & T claims it sent me. I never received any letters from M & T. Note & T is the holder of my mortgage so I do get like the annual escrow letters. 

I never received any letters from M & T. 

They claim I hit a button on their website that authorized a refi application. 

If that is true why didn't I get an approval letter? or a decline letter? or and incomplete application letter. 

I want real proof of the actual web pages that i was signed into showing I checked a box to " apply ''.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc. (MN)

The company First Collection Services have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with FIRST COLLECTION SERVICES and have no knowledge of an account with them and dont owe them anything.
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, Transunion, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.
Consumer complaint received 2021-05-10
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I have been in repayment of my private student loan fine XX/XX/2006, during this time XXXX College, a college owned by XXXX colleges, never provided any assistance with promised job prospects. Since this time now I have lost all access to my transcripts, as well as that college being closed down due to misrepresentations about borrowers ' future job prospects. These have been confirmed in court and now the government has forgiven all federal loans. I am still in repayment for going to a school now that is closed, and my diploma is worthless. I have reached out to Navient about closed school discharges and they have told me they will do nothing to help me, and I am required to pay the remainder of my loans.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc (CA)

On XX/XX/XXXX, I purchased a 6-month membership with XXXX, payable in 3 installments ( {$91.00} each, {$270.00} total ). Before my third installment in XXXX, my credit card company had to lock my credit card because of an unrelated fraud charge. XXXX was not able to charge the third installment and instantly locked my account ( after two months ). I wanted to cancel my membership as well as my renewal, but since my account was locked, I couldnt do it. XXXX didnt give me access to my billing settings without paying the third installment. On XX/XX/XXXX, I received an email from XXXX, stating that my subscription had renewed for a 12-month membership plan, payable in 3 installments ( {$180.00} each, {$550.00} total ) on XX/XX/XXXX. I did NOT receive notifications prior to the renewal per the California Automatic Renewal Law. I now received an email on XX/XX/XXXX, from the National Service Bureau in XXXX, WA, informing me about a debt collection for XXXX with the assigned principal of {$550.00}. Again, I was not notified this would happen. If XXXX would have notified me prior to the renewal, I would have paid the {$91.00} remaining balance to cancel the renewal, even though I was not using their services anymore, but they did not contact me beforehand. I was also only able to use the service for two months instead of the agreed six months. I tried to contact XXXX but I can not find a phone number to call and talk to someone in person.