davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (AL)

As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XXXX. The overall issue is this, which then brings me to my dispute with my credit report. 
They want to charge me {$400.00} a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals {$250.00}. If then I provide a 2 month cushion, the amount comes to {$290.00}. Currently I send in a check each month one for Principle and Interest = {$750.00} and then an Escrow check = {$290.00}. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is {$1100.00}. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX. 
In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (AR)

In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

They keep calling asking for a XXXX. I told them many times that the number theyre calling does not belong to her. I asked them to take me off their calling list, Midland Credit said they will but they keep calling and harassing me.
Consumer complaint received 2021-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I have been attempting to resolve denial of payments approved for the PSLF program for years. I previously was paying my loans through XXXX, then they were transferred to fedloan servicing. I have paid my payments on time in full, and because the tranfer, fedloan is denying qualifying payments due to computer or human error on their end. Please see email from fed loan. They state on loan sequence 6, one cent did not apply to payment XX/XX/2015 during tranfer and was applied to the following month. The other loans were approved for that same month. The rules for payment to be applied to XXXX is I must pay in full on time. I did this, and because fedloans error I am being denied. I have attached payments from XXXX showing I paid the full amount in both months. I do not have control over how the payments are applied to loan sequencing. I have additional months they are denying that they will not review or respond about.
Consumer complaint received 2021-05-26
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: Bread Financial Holdings, Inc. (NJ)

Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company Comenity Capital /XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this Comenity which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in 2015 and the bank Comenity, my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.
Consumer complaint received 2021-09-08
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. (MS)

On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-02-28
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: Experian Information Solutions Inc. (DE)

There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-28
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. (DE)

There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-16
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. (NY)

According to the FAIR CREDIT REPORTING ACT credit reporting agencies have WITHIN 30 days to investigate unverified and inaccurate information. If its not done within that time frame credit bureau must delete all disputed items. On XXXX 2021 I XXXX XXXX submitted a dispute letter to EQUIFAX ( certified mail receipt ) disputing several inaccurate items on my profile. Return receipt shows EQUIFAX received my letter on XX/XX/2021. Today is XXXX, XXXX 2021 and I have heard nothing back from EQUIFAX which puts them in direct violation of the FAIR CREDIT REPORTING ACT being that they are passed the 30 day deadline. This complaint is being submitted to the CFPB to help ensure EQUIFAX follow the law and DELETE all inaccurate and unverified information from my credit profile. Thank you for your time and assistance in this matter.
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

TRANS UNION LLC FALSELY TOLD THE CFPB THAT THEY WOULD CONTACT THE DATA FURNISHER AND PROVIDE A INVESTIGATION ON WHY THEY SHARED MY INFORMATION WITH AN UNKNOWN OUTSIDE SOURCE ABOUT A PUBLIC RECORD APPEARING ON MY CREDIT REPORT, THEIR STATEMENT CAN BE FOUND ON COMPLAINT XXXX ONXX/XX/2021. THE PROBLEM IS THEY NEVER CONFIRMED THE DATA FURNISHER AND NEVER COMPLETED A INVESTIGATION, UPON A STATEMENT BY PHONE FROM THE COURT CLERK OF RECORD, THE COURTS DID NOT VERIFY OR REPORT ANY INFORMATION TO TRANS-UNION OR ANY OTHER CREDIT REPORTING AGENCY ABOUT MY CREDIT REPORT, THIS INFORMATION MUST BE DELETED, BECAUSE THE CREDIT REPORTING REQUIREMENTS DO NOT COMPLY WITH THE FCRA 611 ( 15 U.S.C. 1681I ) PLEASE REMOVE!! OR BE SUBJECT TO CIVIL PENALTIES!
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MI)

I was contacted by a debt collector called XXXX on XX/XX/XXXX regarding a Commenity ( XXXX 's ) Credit Card Debt. Stating this was from 10 years ago, and defaulted 6 years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card XXXX years ago, but it was paid off. I have not had XXXX since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my XXXX. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in Michigan the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collection Service Inc (GA) (SC)

On XX/XX/2021 at XXXX EST I received a call from XXXX. Not recognizing the phone number, I did not pick up my phone. There was a voicemail, but no one was speaking. It was a 9 second voicemail with no talking. A few minutes later, my father in law called me to tell me that XXXX with Professional Collections called looking for me about a debt I owe, and to call XXXX back. 
XXXX had no right to tell my father in law where she worked and why she was calling. She can only verify certain information, and that certainly wasnt it. They have broken the law.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XXXX XXXX I am filing a complaint with the Attorney General Office against Credit Acceptance Corp. After they repossession the car and sale the car my deficiency was {$9500.00} which after all the money Credit Acceptance collect on the car I do not own them a dime .The principal was {$13.00} the car sold for {$4600.00} plus {$6500.00} from GAP .They respond to the complaint about the car dealer I was filing in XXXX and close the case, but the did not answer the complaint about rip off and over charge and they add almost {$3000.00} on top the {$9500.00} please help me out .The only thing I ask for these people to take this thing out off my credit report.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As explained in numerous prior CFPB complaints against Wells Fargo, a settlement amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me in XX/XX/XXXX by an XXXX XXXX. The total amount with estimated taxes is {$5100.00}. An affidavit was signed, sent in to Wells Fargo, check investigated and funds returned to Wells Fargo .... A second check sent to my old address supposedly prior to me moving in XX/XX/XXXX or XX/XX/XXXX, I had moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. XXXX sent to old address via XXXX, XXXX, etc, would not be received. Also, a mediation offer amount of {$500.00} plus estimated taxes sent to old address was not received, the total amount including taxes is not available to me at this time, it was detailed in prior CFPB complaint, unresolved. Wells Fargo reps attempt to refer to a mediation confirmation letter sent to me which was not received or signed by myself and needless to say, can not refer to it.. In case either check shows cashed, it was not by myself in which case, no funds received. Further, verifying address they had at the time, which is old address, does not address non-receipt of funds. The last Wells Fargo rep attempted to refer to signature decline of XXXX package containing check which I am not aware of and even so, does not address non-receipt of funds. In case Wells Fargo rep ( s ) attempt to refer again to address verification, that does not address non-receipt of funds, nor does supposed signature decline of a XXXX package I am unaware of.. It appears Wells Fargo reps are unwilling to investigate this matter, simply want to pass it off and refer to old address as verified. I've checked again with Post Office, they show no missing mail to me which is being forwarded from old address, nothing from Wells Fargo.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (MD)

My first letter to Equifax, XXXX, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.
Consumer complaint received 2021-07-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: New Mexico Educational Assistance Foundation (NY)

This debt was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy. I take no ownership of the debt but it was included in my bankruptcy and was discharged. It was removed legally because it caused undue hardship. They were notified at that time the debt was discharged and it had gone unreported on my credit report for years. In XX/XX/XXXX & XX/XX/XXXX they falsely reported that I was 60 days late on a payment to them and then they continued to not report for the next couple of months. It is illegal to report false information to credit bureau and illegal to attempt to collect a debt not owed to them.
Consumer complaint received 2021-05-26
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 ()

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 assume it has to be. I have not been able to get help from them for months 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 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent via certified mail to Transunion that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave Transunion any written consent to report anything on to my consumer report, no consent is identity theft.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My loan is under a modification agreement which has not been honored by SPS, Inc.

Based on the Home Affordable Modificationn Agreement, ( HAM ), signed XX/XX/XXXX, the Unpaid Principal Balance was {$230000.00} and {$120000.00} of that balance was to be deferred ( DPB ). The DPB was to be forgiven in 3 forgiveness installments ; 1st forgiveness, XXXX, XXXX ; 2nd forgiveness, XXXX, XXXX and the 3rd and final on XXXX, XXXX. The forgiveness was set at {$42000.00} per installment. All payments, as required, were made in a timely manner and in full compliance. The DPB should have been cleared ; completely forgiven XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX ( prior servicer for XXXX XXXX XXXX ) processed the 1st DPB on XX/XX/XXXX, reducing the DPB to {$85000.00}. SPS transaction records show that with the transfer to SPS in XX/XX/XXXX, there were 4 payments provided and XXXX, XXXX, 4 more payments provided. These payments satisfied the requirements for the 2nd forgiveness! Additionally, {$4400.00} and {$1500.00} was posted XXXX and XX/XX/XXXX, which paid the account through XX/XX/XXXX when the 3rd and final forgiveness should have posted. Only the principal balance should have been remaining! Transaction records provided by SPS prove this, yet SPS will not post the 2nd and 3rd forgiveness that is due. The payments were received as transfers to SPS from the prior servicing carrier. SPS actually issued the DPB forgiveness XX/XX/XXXX ; {$85000.00} and then reversed the transaction. When questioned about it, SPS would never provide a reason for the reversal! All terms of the HAM were complied with, all payments made. The change of servicing carriers is not a reason to not honor the terms of the HAM nor process the forgiveness as stipulated in the HAM. 
Numerous inquiries, calls and letters have been sent to SPS to honor the terms of the HAM and forgiveness. Records, charts, graphs-all complied from transaction records provided by SPS have been presented to them and I receive no answers. SPS choses to not address the forgiveness ; instead they continually offer a modification agreement for signature-which they have acknowledged through their legal department, would make the forgiveness terms of my original HAM null and void. This lack of action on the part of SPS, is at the least unethical and certainly justification for a thorough investigation of their practices in handling home loans! Documentation of all payments, charts and graphs and other information sent to SPS with my continued inquiries, is all attached.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

It is very difficult to get to a live person at the three credit bureaus, XXXX, Equifax and XXXX. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.
Consumer complaint received 2021-07-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NORTHWEST BANCSHARES INC (ID)

I paid off my {$15000.00} loan on XX/XX/XXXX. I called Northwest XXXX Bank at the time and spoke with service rep, XXXX, to see if there were additional charges to completely pay off the loan. She told me {$7.00} would completely pay it off. I made the payment and I asked again if there were any additional charges and she stated, " No, there is nothing additional. '' One year and six months later, I recently my credit report and discovered that an additional {$91.00} in fees had been added to the loan on XX/XX/XXXX, which significantly lowered my XXXX XXXX. I contacted Northwest XXXX Bank and spoke with Loan Officer, XXXX, who basically told me she couldn't help me and that I had to pay the additional {$91.00} to close the account and they would get back to me as to whether they could adjust my credit report once that was done. I paid the {$91.00}. I have not gotten an answer yet as to if they will notify the credit bureaus that a payment was made. I have a feeling that it will be " business as usual '' and it will just be reported during their next reporting cycle. My credit score will suffer until then.