davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

For over a year now I have received assistance from my local township to help pay my mortgage. Due to this I have had to make partial mortgage payments. The township pays {$300.00} in the beginning of the month and I pay the remaining at some point in the month as well. I have exclusively worked with XXXX XXXX, Loss Mitigation Specialist XXXX ( Office ) XXXX ( Toll-Free ) XXXX ( Fax ) XXXX For over a year. I check in with him every month to ensure all payments have been received. Most recently I contacted him in XXXX of XXXX because strangers were taking photos of my home and stated they were from Shellpoint. I asked him if anything was wrong and i was assured by him that the mortgage was in current standing. 3 weeks later I receive a letter stating that the mortgage is past due {$2700.00}. So I called to find out what was going on. I couldn't get in contact with XXXX XXXX so I spoke with whoever was available. The women told me that the mortgage was past due because there was never a payment made in XXXX of XXXX and we have been past due since then. Imagine my surprise since i have spoken to XXXX XXXX every month. She stated that if I had proof it was paid that the mortgage would turn current. I sent them all the proofs of payment, and they still sent me another letter stating that I am past due. I have contacted them on multiple occasions asking how is it possible that the mortgage is still past due. No one will return my calls, no one will return my emails, XXXX XXXX refuses to answer me. They are not threatening me with foreclosure. i have proof of every single payment made to them.
Consumer complaint received 2015-04-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (KY)

Peaks private loans, I have never received any written correspondence from them ever. I was forced into this private loan through XXXX XXXX. The only way to see a balance is from their grossly outdated website and charge extra for any little thing. I will not allow this company to ever have access to my bank account in the form of an auto payment. Avoid Avoid Avoid!
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. (CA)

NCO financial was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector XXXX XXXX refuses to remove debt from credit report.
Consumer complaint received 2022-02-09
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. (NM)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

On XXXX XXXX, 2020 I made a purchase to XX/XX/XXXX using my Paypal Credit card in the amount of {$58.00}. The transaction successfully went through on XXXX XXXX and posted to my Paypal account on XXXX XXXX, 2020. 

On XXXX XXXX, 2020 I checked my Paypal credit account and there was a message for me to contact customer service regarding my account. I called customer service and was informed that my account had been closed due to inactivity. Very shocking to me because I had just made a purchase. The manager I spoke acknowledged the recent transaction made and she gave me a {$25.00} credit on my account for the inconvenience and told me unfortunately she couldn't reactivate my account and told me the she was going to enter a dispute on my behalf but knew it wasn't going to get resolved.

Please help. I do not want this to have a negative impact to my credit score. 

Best regards, XXXX XXXX
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC. (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (OK)

I had an instore loan with Check n Go and then applied for an outsource loan for an extended amount with Axcess Financial who through Check n go. They have not reported my on time installment loans to my credit since XXXX of XXXX. XXXX was paid in full XX/XX/XXXX for XXXX reference number was XXXX auth code : XXXX, cust ID : XXXX ). I have since disputed with XXXX a couple of times and there is no way anyone is truly conducting a research if it is still showing I have an open balance. ( If i wasn't making my payments it sure would be reflecting then!!! ) I have contacted Axcess Financial because it was not up to date with my accurate on time payments and now completion with loan. I just had ANOTHER dispute completed today ( XX/XX/XXXX ) again with XXXX and still none of payments were updated for every month after XXXX and it is not reflecting that my installment has been completed. I tried to contact what my credit report showed : AXCESS FINANCIAL who send me back to Check n Go since it was a in store installment loan. When I contact Check n Go and their system reflect I have a completed payoff installment with all payments before on time, I am at a stand still and at this point, JUST DELETE THIS OFF MY CREDIT REPORT AS A WHOLE. I don't know who to contact at this point but I want this off my credit report completely.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I've sent serval letters regarding the inaccurate information on my report on XX/XX/2020, XX/XX/2020, XX/XX/2020. The inaccurate information still remains on my report.
Consumer complaint received 2015-07-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Asset Recovery Group, Inc. (WA)

I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2020-10-17
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. (CA)

Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount  {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} from XX/XX/XXXX to XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported  Credit limit {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ; past due amount {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; balance {$8700.00} from XX/XX/XXXX to XX/XX/XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as Charge off reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported  {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX. XXXX/XXXX/XXXX Automotive COMPASS BK I. XXXX/XXXX/XXXX Banking XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX. XXXX/XXXX/XXXX
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TSC Accounts Receivable Solutions (CA)

They are reporting multiple items on my credit report saying I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
Consumer complaint received 2022-02-09
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. (NM)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2016-09-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (FL)

My daughter took out a private student loan two years ago from Wells Fargo and we, her parents, co-signed.The condition of the loan agreement we signed was that payments did not come due till my daughter graduated, or was no longer a XXXX XXXX XXXX. She is still a XXXX XXXX XXXX, and has just recently been informed that her credit is ruined because her student loan is in default. Apparently there was a mistake, but Wells Fargo is dragging their feet on correcting their mistake, and meanwhile, my daughter ca n't even open a checking account as her credit score is so damaged by their mistake. They keep pressuring us to pay the whole amount, which is {$30000.00} to resolve this issue faster. But paying the full amount while our daughter is still in school was not the original agreement.
Consumer complaint received 2015-10-31
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MO)

I requested a replacement card from Rush Card on XXXX, and was told it would take 7-10 business days. As of the XX/XX/XXXX. I still had not received the replacement. I contacted them again on the XXXX and was told they would send a card through expedited XXXX. It was supposed to take one to two business days, which would have been Friday the XXXX. I have repeatedly called and and am left on hold for hours only to be hung up on! I have been a customer for over four years with this company, but at this point I must want access to my funds. I am unable to make any purchases of any kind. I have a medical condition that requires medications daily and am unable to purchase. I contacted the XXXX office Friday XXXX XXXX and was told there was no package sent. Through them, but Rush Card insists it was mailed! As of Saturday XXXX XXXX I still have no access to or a replacement card for my account.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While reviewing my consumer report I noticed a Bankruptcy being reporting. 
I attempted to dispute and get the Bankruptcy deleted for a few reasons. 

1. There were several inconsistent data points on my consumer report causing it to be inaccurate. 

2. XXXX and XXXX stated that the US Bankruptcy Court reported the bankruptcy however, when I contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called XXXX XXXX. XXXX XXXX used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

3. Trans Union stated that the US Bankruptcy Court reported the bankruptcy however, when I Contacted the US Bankruptcy Court they stated that they do not report to credit reporting agencies, but obtained my public record from a Corporation called LCI. LCI used a database called XXXX to collect information about me, which is an infringement Upon my right to Privacy. Nor did they have a Permissible Purpose to my Written instruction ( Consent ). 

( Violation 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a Consumer right to privacy '' ) ( Violation 15 usc 1681b ( a ) ( 2 ) '' No Permissible Purpose/No Written Consent In Addition, FTC state , The Gramm-Leach-Bliley Act requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data.Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? 

No, you are not following the requirements. As stated above my privacy as been violated Under the Gramm Leach Bliley Act. 
15 U.S. Code 6801 - Protection of nonpublic personal information.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!
Consumer complaint received 2015-12-09
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION (TN)

This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I requested a review of my Public Service Loan Forgiveness qualifying payments in XX/XX/XXXX. XXXX has repeatedly told me they are unable to provide a date by when the review will be completed. Today I asked why 37 of 99 payments are not being credited as qualifying to my loan forgiveness. XXXX says my previous loan servicing companies stated they are not qualifying payments due to the payment not being " fully satisfied ''. XXXX maintains they are unable to provide a timely review and response because these payments were made under two previous loan servicers : 1. XXXX XXXX XXXX XXXX and 2. XXXX. I am unable to verify the information on my own other than downloading my payment history and last 3 monthly statements from XXXX. The XXXX XXXX XXXX XXXX is not operating any longer and I have no way of obtaining any documentation of payments made prior to XX/XX/XXXX. I graduated in XX/XX/XXXX and entered repayment in XX/XX/XXXX.
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

When we filed our first complaint, we stated that our desired resolution was the return of the fees caused by PNC 's manipulated transactions in addition to any subsequent fees caused by said manipulation. 
They only returned the original fees. Thus our account was still owed {$72.00}. We live pay check to pay check and can not afford these fees. We decided to part ways with PNC, but we went negative by {$9.00}. Had they not stolen the original {$72.00} from us and caused us to be short then applied another {$72.00} in fees, we would have had the money to cover it. What they are doing to us is no less than highway robbery. 
I requested the account be closed immediately. They have ignored me, saying it can not be closed with a negative balance and it continues to accrue fees, which they 've threatened to come after us for.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as Experian, XXXX, and XXXX with non of them properly updating the info
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

Hi, thank you for accepting my complaint and for what you do. XXXX kept sending me billing notices for a mysterious order/item ( s ) and they refused to give me statements or the bill for them. I made requests in email and I have their emailed responses. They even told me that they can't find an account for me ( see their email ). They eventually put it on my credit report for {$110.00} and I disputed it and showed the evidence that it wasn't my bill and the entry was removed. Years later, they gave the debt to JEFFERSON CAPITAL SY who refuses to remove it from my credit report. I hadn't ordered anything from XXXX and they never showed me a bill or receipts. It isn't my debt. Please investigate and correct this. 

Please tell me how to submit the emails between me and XXXX  thank you
Consumer complaint received 2017-03-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (ID)

My mortgage company ( Stearn Lending, LLC did not pay my XXXX property tax out of escrow. I received a past due notice from county treasurer office XXXX. I immediately called the mortgage company and the customer service rep told me they will look into it and will get back with me within 2 weeks. Since then, I have made an additional XXXX phone calls to check the status of the situation and each time, they put me on hold, so that the can look at the account and then tell me that they will investigate it and get back with me within 5 business days. I never get a call back from them. I have mailed the orginal of the tax notice and faxed the tax notice per their request. I have even gone on-line and submitted my complaint and I still havent received a reply after 2 weeks.