davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have called and sent standing instructions on how to handle my overpayments and how they should be applied. They seem to always apply it incorrectly and then tell me on the phone they have to submit a request to get it sorted out. This is causing additional interest as the overpayments should be applied to the highest interest outstanding principal. Instead it is being applied evenly to the remaining loans. It seems like I have to call every billing cycle to get it fixed. Most recently my XX/XX/XXXX and XX/XX/XXXX payments were not applied as stated in my standing instructions that were sent and approved XX/XX/XXXX
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX
Consumer complaint received 2018-11-19
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. (AL)

On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

I've sent numerous letters to this company to have them verify an account that they have placed on my credit report. All they have sent back is a bill which is not enough to verify that it is mine and it also contained a hippa violation with personal information on it.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

The company, Ally Bank, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that Ally changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that Ally has some kind of automated system for culling such change of address information. As a consequence, Ally stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OR)

Unfortunately, I lost my home to wildfire on XX/XX/XXXX. A couple weeks later I received an insurance check for my dwelling coverage which I signed and forwarded to my lender Dovenmuehle at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX with instructions to pay off my mortgage and refund the amount above my outstanding loan balance which was approximately {$33000.00}. On XX/XX/XXXX my escrow account showed the check was applied towards my outstanding loan balance resulting in a XXXX loan balance and a $ XXXX escrow balance. I was told the escrow balance would then be promptly refunded to me. However, in spite of paying off my loan in full Dovenmuehle subtracted an XXXX mortgage payment of $ XXXX. About 5-6 weeks ago Dovenhuehle said they mailed the $ XXXX check but it never arrived. However, I did receive a refund of the XXXX mortgage payment. I called back in early XXXX asking the status of the $ XXXX check and they were concerned it never arrived as they stated it was sent more than a couple of weeks earlier. They advised I wait until XX/XX/XXXX and if it didn't arrive by then to call back to have them cancel and reissue the large check. I called on XX/XX/XXXX and requested a cancelation and re-issuance of the check because it never arrived. Then on XX/XX/XXXX I received a check which was meant to be the amount above my pay off, the $ XXXX check, but it was another refund of one mortgage payment. To date, I've received two checks, one for the amount they mistakenly debited from my account and a second payment which was supposed to be for approximately {$33000.00} but instead they sent a payment for a mortgage payment around {$2200.00}. They have really messed up twice in two months and after calling today they said they messed up again and it may take up to a month to issue a new check. I'm upset that they have messed up twice and will not escalate this to have it resolved. After losing a house from wildfire the last thing you expect is a mortgage company to incompetently hold onto your funds while you're left in the lurch.
Consumer complaint received 2021-12-05
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: EQUIFAX, INC. (VA)

On XXXX, at XXXX XXXX XXXX I called Equifax and spoke to XXXX regarding the unresolved dispute I mailed on XX/XX/2021 to have Equifax remove hard inquiries that were not requested by me. I have yet to receive a resolution and advised XXXX I filed a complaint with the Consumer Finance Protection Bureau ( CFPB Complaint ID XXXX ). XXXX stated that Equifax will not investigate the inquiries and that I have to conduct my own investigation by contacting the company myself. I contacted them and was advised Equifax is responsible for reporting accurate information on my credit report. I feel these accounts are adversely affecting my credit report and I do not recall requesting any of these inquiries. I need this problem fixed asap. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days and Equifax is refusing to investigate this so these items should be deleted immediately. If these items are not removed immediately I will have no choice but to file litigation.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assumeit has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

I attempt to log into my student loan account and receive this message " Nelnet periodically sends emails about your student loans to provide important information. By reading this message, you agree to receive emails from Nelnet at any time. '' I do not consent to receive important information via email. There is no way to decline this. A person can not agree to something simply by reading a disclosure. This requirement needs to be removed so I can access my account.
Consumer complaint received 2020-11-30
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. (OH)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the Attorney General.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

I have been constantly asking for lower payments. They are not considering my cost of living and that is unfair. I am a XXXX, living on a XXXX 's salary in XXXX. My housing prices have gone up every single year and I have been trying to get on affordable housing for at least 5 years with no luck. I have tried to find cheaper housing with no luck. The loans do not consider this in my repayment calculations which is harmful to those of us who work in big cities. I had to get a XXXX to XXXX. I also had to live. 

I last spoke to the fed loan servicers on XX/XX/2019 and was told that with a repayment under the income driven plan, I'll be paying XXXX which is reasonable. However, once I got my letter back XX/XX/2019 it was back even more to XXXX. I already told them XXXX is really tough for me to pay with rent expenses, commuting, bills, and food. That's why they had me do another. I find it strange that they keep coming up with the same amount. I really need help with this. Please. Thanks.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA (MD)

Due to COVID19 I defaulted on a loan from LendingUSA. LendingUSA sold the debt, over a year ago, to XXXX XXXX XXXX XXXX XXXX ( collections ) during the Pandemic shutdown.. On XX/XX/2021 I paid the debt to XXXX XXXX XXXX XXXX XXXX. 

I received an update on my Credit Report from XXXX and XXXX, that LendingUSA, who no longer owns the debt, reported my loan as Delinquent on XX/XX/2021. This Debt is paid and has been for over 2 months, therefore this account is not delinquent. The original creditor can't continue to report a balance due if it has sold the account to a collections agency. However, it can report a charge off, which remains on your credit report for seven years, even if you pay off the debtwith the original creditor or via a collections agency. 

This inaccurate reporting has dropped my credit score. At this point I feel I need to get an attorney and file suit for defamation, contact the FTC and take severe actions. Companies need to learn there are rules and severe repercussions. I demand an immediate retraction as the information reported by LendingUSA is not accurate and fraudulent as they do no own the loan and have not for a long time. 

While I am responsible for the default, I am not responsible for erroneous credit reporting. Actions like this, that companies take out of vindictiveness, can impact people 's lives in a very big way, it's not a game. 

Thank you, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, Attorney General, MD.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Recently, I have been making attempts to be better my credit because I am graduating college and will soon be out on my own. In the past month I have paid off over {$1600.00} in debt, by working and saving money. When reviewing my financials I noticed that on the credit site, XXXX I had an account in collections, ( XXXX XXXX XXXX ) " original creditor XXXX XXXX '' .I am confused about this being on my credit report when I signed no contracts with this company and never received any communications from this company, saying if they bought my debt or why this is on my credit report. It says the account was opened XXXX, XXXX 2017 and I owe {$940.00}.
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (PA)

This is a Florida unemployment some XX/XX/2018 the manager at XXXX that then which is also known as XXXX approved my unemployment and then within three months later theyre telling me that I have an overpayment the amount was {$1600.00} now theyre saying are all {$1500.00} why should I have to pay if I did nothing wrong and it was approved the unemployment it is very difficult trying to get a hold of Florida unemployment department in XXXX I want to see the original application and their decision which proved that high was able to receive I do not feel after almost 3 years I have to pay for somethingAnd if I do I asked for a settlement amount and the collections department you see XXXX tells me they do not do sentiments all care about hardships
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I have been dealing with IQ Data and they were refusing to send me the information as I explained I gave my previous apartment complex my forwarding information two times and was sent to collection. I explained I had gotten the proof and literally had to beg them to send me the information. The calls were supposedly recorded and they were condescending and questioning fact I have background in collections and they called me yesterday before I got the information again saying I explained the bill so you should pay and I said not till I see the exact documents. The collector questioned because I have been in the business then I should know what the deal is. I had initial call for representative on XX/XX/18 and when I asked for a manager I got one indicating they were going to report to my credit bureau and I indicated I hadn't even received information. I called back and got a receptionist who hung up on me as wouldn't put me through to a manager. On XX/XX/18 I called yesterday and asked to speak to XXXX XXXX the director based on all the problems I had with the agency and was told the director doesn't talk to debtors and I offered to give my name and number so XXXX could call me and the representative refused to take my information. I ended up paying the water portion of bill but I informed XXXX XXXX the Operations Manager all the issues I had with their collectors and the smart allic answers and the fact not waiting for me to even see proof of bill
Consumer complaint received 2021-12-22
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. (MD)

After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.
Consumer complaint received 2019-08-26
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. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

On Saturday XX/XX/17 I received a certified email from XXXX XXXX XXXX XXXX with NOTICE OF APPLICATION FOR WAGE EXECUTION, against me from an account this Deb collection is assignee in the name of XXXX XXXX XXXX XXXX. 

I have called XXXX XXXX to the comer XXXX and spoke with an employee name XXXX, and I have explained to him that I do not owe anything to XXXX and that account does not even show on my credit report.I have also told him that if I would owed something to XXXX, they would have approved me a XXXX XXXX XXXX XXXX opened on XX/XX/2017 that still is active with a current balance. 

I did also asked him what should I do in order to report this or probe that this account is not mine and he suggested me that if this does not belong to me I should present a complain to FTC because it could be a fraudulent account opened for somebody else. 

There are not accounts reported on my credit report from XXXX XXXX, and also from the XXXX report from XXXX.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX and Equifax are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both Equifax and XXXX are incorrectly reporting information it is doing way beyond damage to my credit
Consumer complaint received 2019-08-23
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Consumer complaint received 2019-08-23
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT