davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (SC)

These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges. 


I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXXXXXX XXXX- {$560.00} XXXX XXXX- {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX {$870.00} XXXX XXXX- {$960.00} XXXX XXXX {$990.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$5600.00}
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

I am filing a complaint against Fedloans. I am attempting to get my student loan forgiven through the XXXX XXXX XXXX XXXX program ( XXXX ). I have worked for qualifying agencies for more than 10 years, so I meet this requirement. From XX/XX/XXXX to XX/XX/XXXX, I worked for XXXX XXXX XXXX, and from XX/XX/XXXX to the present I have worked for XXXX XXXX XXXX XXXX. I have provided the required documentation signed by Human Resources officers at both companies proving that I work/worked there. 

My first problem is that Fedloans is saying they havent yet approved/confirmed my current employment. I dont understand what the delay is. I mailed off the signed paperwork last fall. Fedloans approved my employment at XXXX XXXX XXXX but not XXXX. I am 100 percent certain that XXXX is a qualifying company because other people who work there are getting their loans approved and HR told me they dont understand why I have not. When I finally got through to a person at Fedloans ( after no one responded to two separate emails I sent, XX/XX/XXXX and XX/XX/XXXX ), they said there was nothing they could do to expedite the process. They were not willing to talk to HR to confirm my employment. They transferred me to a specialist. After waiting on hold for 1 hour and 20 minutes to speak to the specialist, I finally had to hang up. Because Fedloans is not approving my current employment, I am not eligible for loan forgiveness ( you must currently be employed by a qualifying agency ). 

Other problems I have been unable to resolve with Fedloans : 1 ) I am only being credited with payments made to XXXX. I am not being credited with payments made between XX/XX/XXXX and XX/XX/XXXX. At that time, I was making payments to a different loan company, XXXX XXXX. 
2 ) I am not being credited with two lump sum payments I made, each the equivalent of 6 months of payments : I paid {$710.00} on XXXX and I paid {$710.00} on XXXX. 

Thank you for any help you can provide in resolving this matter. My fear is that Fedloans is going to keep ignoring me until they get out of the student loan business in XX/XX/XXXX and I will miss the deadline for student loan forgiveness eligibility ( XX/XX/XXXX ). 
XXXX XXXX
Consumer complaint received 2022-09-21
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: Alpine Credit, Inc (CO)

I submitted a validation request To Alpine Credit in XXXX XXXX They responded on XX/XX/2022 with a simple bill. and NO HIpaa release form signed by me. On XX/XX/2022 I sent another letter informing them of their FDCPA and HIPAA violation. On XXXX I sent a cease and desist to all collection activities. They have yet to remove this unvalidated account from my credit report. Ive included all letters I sent as well as their response, and a copy of my credit report.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (MD)

XXXX XXXX is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.
Consumer complaint received 2022-06-07
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. (SC)

In accordance with the Fair Credit Reporting act 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 I also have some inquiries on my credit report that I didn't authorized. 

Equifax Inquiries : XXXX XXXX XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

This complaint is directed at Guaranteed Rate Inc ( GR ). GR originated my mortgage in XX/XX/XXXX. They sold my mortgage to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I was instructed by GR to submit my XX/XX/XXXX payment to GR and that it would be forwarded to XXXX. As of XX/XX/XXXX XXXX had not received my XXXX Payment. I called GR and was sent an email stating that the payment had indeed been forwarded. I fought XXXX  for another 3 weeks before following up with GR. On XX/XX/XXXX I was informed via email that the XXXX payment had not been sent but that it would be included in the next wire. The email informed me that the payment would be reflected in my account in 5-7 business days. After nearly 3 weeks the payment had not been credited to me. I left GR multiple voicemails requesting a call back ; they would not return my calls. Finally on XX/XX/XXXX I spoke with a supervisor who informed me for a second time that the payment was not forwarded despite prior assurances. Finally on XX/XX/XXXX ( 73 days since XXXX  took over my loan ) I am finally seeing progress in getting credited for my payment. The past two and a half months have been nightmarish and indescribably stressful. GR showed negligence in its initial handling of the transfer followed by complete indifference to my hardship. I have emails, documents and points of contact to support the above narrative.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

I have been unable to access my Ally Bank account for an entire month. When trying to log in, I experience error codes on both desktop and the mobile app. Desktop error code is always " Request can not be processed. '' On mobile app, it is " Online Access Temporary Blocked. You've entered an incorrect username or password too many times '' ... This app error occurs on the first attempt to login after waiting several days since my last attempt. 

I have tried resetting my password. I have called several times and spoken with various representatives who have reset my username and password without success. They've stated that this is a known issue for certain customers, and that there is no known resolution date. 

Ally is an online only bank. I can not access my money, period. I can not view transactions, make a deposit, make or edit transfers, send money with XXXX, or even view my account balance. This is totally unacceptable, and seems like it should surely be illegal! What can I do??
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA (KY)

I recently consolidated all of my students loans to apply for Public Service Loan Forgiveness ( PSLF ). When I did so, my credit score dropped by XXXX points, apparently because the individual student loans were closed to consolidate them into one large loan to qualify for PSLF. This is bogus and I'm wondering why this is and whether this is legal or not. It appears to be retaliation for applying for a federally-authorized program, for which loan consolidation is required.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (MD)

I have sent a certified letter to XXXX XXXX to investigate every piece of information on the accounts I have listed. According to the FRCA 15 USC 1681 everything must be 100 % accurate and a proper investigation was never done in which these items still remain on my personal credit report. Attached are a list of the accounts : XX/XX/XXXX {$590.00}, XX/XX/XXXX {$990.00}, XX/XX/XXXX {$370.00}, XXXX XXXX {$610.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$1300.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$920.00}, XX/XX/XXXX {$590.00}, XX/XX/XXXX {$1800.00}, XX/XX/XXXX {$490.00}. I am also attaching the tracking number to the certified letter that was sent to XXXX XXXX as follows : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe 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.with no help.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (VA)

In XX/XX/XXXX I found that there was a collection of {$110.00} for a XXXX XXXX bill in XXXX, GA on my credit report. This collection was lableed as delinquent in XXXX. I was *not* the owner of that account. I had moved to Florida and was a Florida resident in XX/XX/XXXX. I called the collection agency ( Credit Managment LP ) and had discussed that it was not my account, but asked if I could get a goodwill deletion if I paid off the debt because I wanted the issue to be resolved immediately instead of waiting months for it to go thru the dispute process. 

They agreed that they would provide a goodwill deletion after the debt was paid. 

After I paid off the debt, they apparently deleted the collection only to XXXX. The collection still shows up on my XXXX and XXXX credit reports, negatively affecting my credit score. I called Credit Management LP again in XXXX and they told me to file a claim on their Web site. I filed a claim on their Web site, but I still get no response and the collection is still showing up on my XXXX and XXXX creidt reports.
Consumer complaint received 2022-06-29
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX of 2022. An authorized charge was placed on my Chase Freedom XXXX Credit Card for the amount of XXXX dollars. The charge was made online at XXXX ( XXXX XXXX XXXX XXXX # XXXX. Address XXXX XXXX XXXX XXXX XXXX CA XXXX. ) store, the transaction include household items and a can beverage cooler worth XXXX for delivery. The thief included his phone number and address! The person put this phone # on the record ( XXXX ) and used this address XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, CA XXXX for delivery.
Consumer complaint received 2022-09-21
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: I.C. System, Inc. (OH)

On XX/XX/XXXX I opened a letter from IC systems telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to IC systems that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and XXXX credit reports, it was an open collections from IC system 's for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, XXXX is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX on XX/XX/XXXX asking if they had sent the letter to IC systems telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe XXXX got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.
Consumer complaint received 2022-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

From XXXX no one has been able to provide two things that I need for the validity of repayment and what I am owed back since this has been active for over 20 years, and many items have been lost or poorly managed. 
I need a breakdown of ALL my INTEREST and PAYMENTS made from XXXX ( lost documents ) I can not be treated fairly in this process regarding XXXX XXXX changes if all of these companies keep denying me the information I request. 
This, too, will be sent to the XXXX XXXX.
Consumer complaint received 2022-09-21
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. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan servicer merged with Mr. Cooper ( aka Rightpath ), which is really the same company, and refuse to post the funds to my account, refuse to investigate my account in a timely manner, and are illegally trying to foreclose on my property. This is called stealing. Rightpath has already sent me notices of collection, potential foreclosure and threatening to post negative information to my credit reports. This bait and switch is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Mr Cooper / Righpath needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 with my previous mortgage servicer without resolve. I have once again provided proof that my payment was received by XXXX / Rightpath and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped. According to their own letters I have 60 days before any negative action is taken but Rightpath constantly contradicts itself in an attempt to cause damage to it's customers which are the citizens of this country.
Consumer complaint received 2022-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (IN)

This company needs to OWN UP to its mistake. We demand the registered agent in whatever state they have that person living / registered, to give us a call or provide their name. We will be suing you. 

We have contacted the CA department of motor vehicles. No registration exists. We called AZ where the trailer was registered and guess what? The bank never requested the title. 

They are lying. 

Attached are the financing agreements and the verification that the AZ title was completed. It was, however, never requested by Key Bank. 

It is their responsibility as they loaned us money to pay for the boat AND trailer. They MUST provide title. Their attorneys have stone walled and gas lighted you and us and it will not be tolerated or let go. 

We called the AZ department of vehicles and here is what they said : " The bank never requested this title. '' The AZ dept. of vehicles number is : XXXX. 
STOP running us in a circle. We will never quit, you WILL get that title for us and we will sue you. This delay in your letter writing and excuses will not be tolerated. 

What is the CFPB gong to do about this gross negligence of due process according to normal business practice??? Banking laws???? 

We will be reaching out to the FDIC.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

JPMCB Auto is incorrectly reporting a late payment on my credit report. I never paid any of my accounts late and they have reported that I made a late payment in XXXX which is not correct. All my payment were made on time