davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (MD)

I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.
Consumer complaint received 2017-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to XXXX with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (MD)

There is incorrect information on my reports with XXXX pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (GA)

I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified please provide " Certified Mail Receipt ''.
Consumer complaint received 2017-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

I was automatically deferred for repayment by enrolling in a college that participates in the nation student loan clearing house. As a result of my deferment, the private lender, Discover Student Loans, removed a 0.5 % interest rate deduction I was receiving for on-time payments. I called the lender today ( XXXX/XXXX/XXXX ) ( after a secure message sent on their website on XXXX was not responded to XXXX to remove the deferment ( since I did n't want to be in deferment anyway XXXX and to return my account to repayment status, however, because of the way their system works, this repayment status wo n't take effect for another XXXX months in XXXX, therefore the XXXX % interest rate reduction wo n't be in effect until after that XXXX date. My interest is capitalized into the loan after deferment ends, so as a result of no action of my own ( since this was triggered by an automatic process XXXX, they removed a loan benefit from my account and will not restore it promptly, causing me financial loss as a result.
Consumer complaint received 2017-09-14
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: Experian Information Solutions Inc. (CA)

OnXX/XX/XXXX, I tried a number of times to contact XXXX XXXX XXXX to initiate a security freeze both online and by phone. In all cases I was disconnected or the information online did not load. I currently have a membership with Experian for {$24.00} per month and have had it for several years. On one occasion a couple of years ago, I tried to cancel my membership with the same results ( the phone would disconnect ). At the same time, I had to change the credit card I had used to pay for their service so I decided just to not inform them however they automatically began to charge the membership to the new card. Rather than continuing to try to cancel membership, I just let it slide until now. On XX/XX/XXXX and onXX/XX/XXXX, I called multiple times to call the number they provided to cancel membership and except on one occasion, the call was just disconnected. The exception was that I received an automated response noting a high volume of calls and the put me on hold for 45 minutes. I finally hung up.
Consumer complaint received 2023-02-08
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: CL Holdings LLC (LA)

I did not give consent to send my personal information to this creditor. I was never informed what was the method of verification and how the debt was validated there is no proof that the debt is mine. This is a violation of my rights.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a XXXX XXXX. debt that was originated in XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but XXXX sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from XXXX stating that the loan was fraud and asking them to remove it from my credit but Midland has refused to move it. On XXXX/XXXX/XXXX XXXX sent me a notice of account closure of this fraudulent account partial account number XXXX but Midland XXXX still trying to collect on it. on XXXX XXXX XXXX I called midland funding, but they are still insisting I pay them.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX  and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, XXXX and TransUnion, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. XXXX, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from TransUnion.
Consumer complaint received 2019-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Capital One Bank USA, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and XXXX is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hello, Equifax and XXXX provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}
Consumer complaint received 2021-09-17
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: Trust Financial LLC (ID)

This complaint has 2 parts : XXXX XXXX XXXX split our family account into two separate accounts. Payments made were applied only to one account while the other grew delinquent. Then *both* accounts were sent to Rocky Mountain Recovery with a fee added. To me, its illogical that family accounts would be separated, its more illogical that both accounts were sent to collections despite payments being made to one. Theyre either the same account or separate, which is it? 

We paid this ~ {$1800.00} down from XX/XX/XXXX- XX/XX/XXXX, it is now paid off. 

The other part is the not my problem mentality I am getting from the medical and collection company. Ive contacted the doctors office and they claim they can do nothing and I need to contact collections. I contact collections and they repeat the same ignorant line with out giving a logical explanation Its our company policy not to remove items from credit reports ; I feel it is just laziness. 

I have fully paid what I feel is an incorrect debt from the doctors office and now I just want the items expunged from my credit report as it is affecting my financing options. I want someone to take accountability.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2021-09-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

After going past my original closing date, the seller was nice enough to sign contract extension paperwork to give me more time to get the appraisal on the house done and underwriting done. But after another two weeks had passed, the appraisal was completed, but I will still not out of underwriting. So when it came time to sign a new contract extension, the seller didn't want to wait on Bank of America because they took too long to get me out of underwriting. So when it came time for Bank of America to give me my denial letter to get my earnest money back, I never received the denial letter. Because of that, I would have been out of {$5000.00} if the seller wasn't nice enough to understand what I was going through and give my money back. Because under normal conditions, a seller doesn't have to give it back without a denial letter.
Consumer complaint received 2020-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (GA)

I have been XXXX, in and out of the hospital and in homeless veteran programs trying to survive. My storage locker was auctioned in a storage locker auction. Since that time I have been the victim of identity theft and homeless. I have been living out of friends and families homes. I am currently working with the XXXX XXXX Hospital now to put my life back on track. 

My income is only my XXXX XXXX XXXX XXXX XXXX compensation of XXXX a month. I have dependents XXXX small children. I am on public assistance ( welfare ). I need help and would like to have the opportunity to rehab my defaulted student loans. 

I have called numerous times but never a resolve or help. I actually got a rep to tell me instead of rehab they would take my military XXXX and I would still have a debt. 

I was told on another occasion rehab for default student loans was not a guarantee and just because I was homeless didn't mean they were going to do anything. 

So instead of wasting postage stamps I am on this platform hoping for a better solution.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

About a decade ago XX/XX/2012 I was forced to do a loan modification with my mortgage lender in order to be able to keep making the payments for the house. My lender was XXXX, we went for a few months negotiating terms that they could agree with and payments that I would be able to make. They wrote up the Loan Modification Agreement that had me making payments for 90 days and there after upon completion of their proposed agreement I would have a New Principal Balance {$350000.00} that I will be making payments and a deferred balance of {$65000.00} that I was responsible once I payoff my loan or if I would sell or refinance the house. Interest become better than the terms I had the loan modification for and I was able to refinance the house at a better rate. However out of nowhere there is a company called Real Time resolutions asking for payment that according to them XXXX never closed and still pending payment and now they are asking for {$200000.00} or they will move with foreclosure which I don't understand since I was never aware because whenever I did my Loan Modification I was under the assumption XXXX had everything wrapped up. I tried to find answers from XXXX but they went Bankrupt and doesn't exists any longer.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (FL)

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX XXXX  Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

I had been using Bluebird by American Express since late XXXX with no difficulty. I opened the account under my maiden name and have since married ; I was informed this would not be a problem, and I should just send a copy of my updated ID card. 

On XX/XX/XXXX, I received an email stating that my account had been permanently suspended ; there was no prior notification of an issue. When I contacted their customer service, they said I was suspended for receiving direct deposits under my married name. They refuse to refund my money without a Letter of Indemnity ; my only funds were from Unemployment, and the Unemployment office is unable to intercede on my behalf. 

I have contacted a lawyer and am currently trying to contact the HR department at my former job. I have no idea what to do next ....