davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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: PENNYMAC LOAN SERVICES, LLC. (GA)

I called XXXX XXXX, and PennyMac my lenders for my my mortgages asking for a forgiveness. I was in a really bad spot for about 2 years and got behind on my mortgage. I paid everything up and is current now. Could they please forgive me on some of my late payments since they are caught up now. This is hurting my score tremendously and Im trying to get credit now and I cant. Please review my payment history. Im begging for a second chance.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-08-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Direct Recovery Services, LLC (IL)

I have recently started to receive phone calls from a company that identifies as Direct Recovery Services calling from XXXX this week. When I answer it is a recording and threatening to take action by XXXX if they do not hear from me. I was contacted today by my husband, mother and ex-husband that they all also received same call asking for me. I have attempted to contact company but they hang up on me and threaten to sue. I have yet to hear what they are attempting to collect. Sounds like a scam to me.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CA)

I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.
Consumer complaint received 2023-04-15
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. (GA)

You claimed that the account was confirmed as being accurate. Please explain how you verify that the collections you are reporting with a past-due amount are accurate. I'm not requesting your help in finding out anything about me, including my address. Please describe in detail each step taken during this entire investigation and how long it took. 

Please provide me with the name, contact information, and email address of the associate who oversaw this inquiry. 

XXXX XXXX XXXX : XX/XX/1996
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

Our home mortgage was sold to another company ( Mr. Cooper ) without any input from us. Shortly after the mortgage was sold, I signed up for electronic delivery of all communications in an effort to be green. The terms I agreed to, which are still on the web site, read : " By registering for paperless delivery, you agree to receive all account communications electronically. '' At some point in the last year the mortgage company did not have adequate proof of insurance, although they had my mortgage company on file, as well as the policy information from the previous year. Rather than reach out to the insurance company or send me an email ( as the terms stated they would do ) they claim to have sent several letters via USPS demanding updated proof of insurance. I did not get them, nor was I looking for them since I had already agreed to receive all account communications electronically. Without action on my part, they began auto-withdrawal of several thousand dollars from my checking account to cover the insurance that they decided I needed. I noticed the larger amounts and saw a recent letter they had sent ( again via USPS ) with a reminder that there was lender-placed insurance on my account. Only with the help of my insurance agent did I learn that they had been overcharging me, and now I am wading through the mess of trying to get the funds back. They acknowledge the error, and will put the money in my escrow account, then once the money is there I can request a check from them. 

It is absurd to me that they can ignore the terms of their own agreement, change the amount debited from my account without my consent, then hold my money hostage until they clean up their own mess. I pay them interest on the money I am borrowing from them, it seems only fair that they should have to repay the money they took from me with an interest penalty. None of the agents I have spoken with think this is even a remote possibility. 

Assistance would be greatly appreciated.
Consumer complaint received 2023-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (AL)

I had to take out a Private Student Loan with Sallie Mae, because I did not qualify for a Federal Student Loan. I XXXX  in XXXX of 2022, and was married that month as well. They will not help with lowering interest rates, or lowing the monthly payments. I had called and disputed as well as my husband. Our monthly payment is {$770.00} a month for 15 years. I just started working as an XXXX XXXX. They said there was nothing they could do to lower it or help us out. I had discussed this with our accountant for tax reasons, and he then explained that Sallie Mae is a loan shark company. There is no way we can afford that monthly payment.
Consumer complaint received 2022-03-29
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable?
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order they insisted I use for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX ), ( XXXX XXXX XXXXXXXX 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 ) ( 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  # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-09-23
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Firstsource Business Process Services, LLC (PA)

My loan was through XXXX XXXX of XXXX, I graduated XX/XX/XXXX, XXXX put it into collections XX/XX/XXXX with out notice to revenue services. I contact revenue services made payment arguments, then they closed my account. I was recently contacted by one advantage that stated I had one day to come up with half of the payment and refused to accept anything less, and stated if I do n't they will put my account into collection the fallowing day. Am I still accountable for this account and if so what are my rights? I did pay a one time payment online of XXXX .
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

I got a call from XXXX XXXX XXXX telling me to pay the amount of my apartment settelement. I moved from XXXX XXXX apartment on XXXX of XXXX and I got a bill to my new condo on XXXX of XXXX stating that I need to pay {$990.00} for cleaning and carpet replacement. I wanted to talk to them to negotiate the money as I was in the aprtment for 7 years 4 month. The Agnecy was insting me to pay over the phone which I declined and they told me they will report as a dispute and will impact my credit history
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. BANCORP (GA)

A person contacted me from XXXX, named XXXX XXXX, saying that I owed a debt to US Bank for {$350.00} from 1998 but with interest it is now {$760.00}. I do not remember this debt but did file bankruptcy in 1998 so if I did have it, it was discharged. They continue to call me and threaten to keep calling until I pay them. They have been harassing me at my work phone number.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (FL)

I ordered only a {$700.00} credit card with this company and spent {$650.00} on it planning to pay it back when the account balance was due, The very next day they sent the {$650.00} report to the credit bureau saying i owed them this when i called, the lady explained that they report on the XXXX of every month so i thought it was my mistake but later on i was informed that they report on the end of every month this has cause my credit score to drop from a 670 to a 590 which coupd cause significant financial hardship.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (GA)

company has violated multiple federally protected consumer rights. 
company has assigned a debt to an attorney to collect. 
company released sensitive private medical information. 
company shared false information on my credit report with out my written consent. 
XXXX {$600.00}
Consumer complaint received 2017-10-14
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. (FL)

The following address is fraudulent and appears on all my credit reports. Needs to removed and investigated for any fraudulent activity. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSOURI XXXX
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since 2019! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MA)

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX   XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request  that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
1.DISCOVERBANK acct. # XXXX bal. $ {$19000.00}
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (UT)

My friend in AZ is selling her home and shopping for a new loan. I am not licensed but offered to help her find a reputable lender.   Her existing loan is with USB. She contacted  XXXX   XXXX   XXXX  at USB and asked for an itemized breakdown of their fees.   She was first told by him that her rate would be higher because her loan amount was not the 'standard ' and below {$150000.00}.   He then refused to give her and itemized fee sheet claiming this was a loan estimate.