davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MN)

Honestly, do n't even know where to begin. I have n't had a student loan since 2002. My original balance was about XXXX. Somehow, no matter how much I 've paid on it since then, the balance never goes down and now says I owe over XXXX?? Student loan companies are ripping people off every day. Anything, my credit report show student loans from other lenders, where contracts were sold over 12 years ago. I have asked to have them removed, but they are still remaining on there. I have them garnishing my wages, hundreds of dollars in the past, but yet they refuse to show me my payment history and where the money was applied that I paid. Now I have a new company which says XXXX, aka great lakes, reporting to my report I am in collections. I went online and set up and rehabilitation agreement and pay them every month. However, When I call them to ask why I am getting collection notice increases on my reports every month, they said I have no account with them. So who am I paying once again??? It 's killing my report, that I have XXXX student loan, but XXXX different ones showing on report, from different lenders. No one has sent me any verification per my request with payments I made or payments garnished. I anything showing a student loan from past or present removed from XXXX reports. I am fine having my report updating with my current payment rehabilitation program, but no one seems to know where that is going!! These accounts being reported on my account are all in accurate and need to be removed immediately. I am trying to buy a house. I ve paid more in interest over the years than my original loan ever even was!! Just rip off and I have no degree to show for it. uggggg Please have them update my reports showing XXXX student loans. Older ones should of been removed anyway, they are over 10 years old and not even the correct lenders. The school I went to for a year, isnt ' even open anymore to give me any information either. 

PLEASE NOTE.. IT WAS FOR XXXX XXXX XXXX IN XXXX XXXX. I CA N'T UPDATE THE LINE BELOW WITH IT. KEEPS REJECTING IT OR KICKING ME OUT.
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (TX)

Real Time Resolutions continues to send me incorrect monthly billing statement. This has occurred for the last 3 months. Each time I have contacted the company regarding my account is always reflected in a past due state which is fraudulently incorrect. I am requesting assistance in getting this matter corrected.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Based on 15 US Code 1681, the banking system is dependent upon fair and accurate reporting of my credit. Unfair credit reporting by you has caused me to lose confidence in the banking system, making me not want to extend my credit to anyone. 
Pursuant to 15 US Code 1692 ( a ), there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. These practices have been detrimental to my life. I have lost out on job opportunities. This has caused lost wages for me. This has caused physical stress on my body, having to work harder physically in order to maintain financial matters. This has caused mental anguish for me, especially during the times of my parents passing. Lacking the funds to properly burry my parents has been the absolute worst, and your inaccurate and unfair reporting has contributed to this. 
Based on 15 U.S. Code 1681 ( a ) ( 4 ), I, the consumer, have a right to privacy. Equifax has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 
All consumer reporting agencies must follow reasonable procedures pursuant to 15 U.S. Code 1681 ( b ). Reasonable procedures were not followed by Equifax and this is a violation of 15 U.S. Code 1681 ( b ).
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC (WV)

I have attempted to contact XXXX XXXX to dispute the charges that they sent to collections. XXXX XXXX has a single phone number for a very large company. The phone number has never worked. There is no email available. The company, along with my charges, appears to be fraudulent. 

I have also been in contact with FCR Collection Services. I have called twice to ensure that my account remains in disputed status. I sent a letter via certified mail, to dispute this claim on XXXX XX/XX/2020.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Experian is currently reporting an open collection account from the company XXXX XXXX on my credit file. I have no knowledge of why this company is reporting this debt on my file. I do not owe this company anything. The lease was turned in on time and whatever charges were remaining they were paid in full to the finance company. its reporting as a {$0.00} balance. i tried disputing and they will not reinvestigate or provide me with proof of the investigation. This company has no right to report an non existent collection account on my credit file. Its not being reported by no other bureaus from Experian and they will not disclose to me the verificaton that this debt is in fact mine. i do not have any knowledge of this debt
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (OK)

Contacted upgrade customer service about a past due balance for XXXX cents in early XX/XX/2022. Agent stated problem would be solved in 30 days and would not effect my credit score. Called back in late XX/XX/2022 after my credit score dropped XXXX  points. Agent stated it was an " autopay allocation error, and it would be investigated and I would be contacted. '' After they reported the " fix '' to the credit bureaus my score only regained about half of what it fell. I was just hit for another deliquescent for XXXX cents and another XXXX points on my credit.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-01-15
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: LEXISNEXIS (IN)

I disputed bankruptcy case number-XXXX with LexisNexis. I filed a CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report. LexisNexis responded to the complaint stating : ( third paragraph, fourth sentence ) As previously explained, the address originally filed on the full bankruptcy docket ) - XXXX XXXX  XXXX XXXX, XXXX XXXX, IN XXXX obtained from Public Access to Court Electronic Records ( PACER ) is the address reported to LexisNexis with Ms. XXXX full social security number by the nationwide consumer reporting agencies. On my LexisNexis report under section Bankruptcy it states that the bankruptcy was filed XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX XXXX, IN XXXX on XX/XX/XXXX. There is no apartment number or letter associated with the address. I am attaching the bankruptcy section from my LexisNexis report that has the file date. I am attaching W-2s from wage earnings from the years XXXX and XXXX with my address listed on them as : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my HUD lease from XX/XX/XXXX because I moved to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I am also attaching my lease that clearly shows that I moved to XXXX XXXX  XXXX XXXX XXXX, IN XXXX in XX/XX/XXXX. How is a bankruptcy being reported with the file date as XX/XX/XXXX attached to a address that I wasnt living at when it was supposedly filed?
Consumer complaint received 2021-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have a checking and several savings accounts with Capital One Bank. In XX/XX/XXXX, I provided Certificate of Trust ( a form from Capital One ) to retitle all my accounts in the name of my living trust. 

I received a letter dated XX/XX/XXXX, stating they need information about my trust. This information was already provided on the Certificate of Trust when the account was set up. The letter threatens that Capital One will put my funds on hold on XX/XX/XXXX and close my account by XX/XX/XXXX. 

I called the number and nobody at Capital One can explain why they are asking for information I've already provided. I asked to speak to a supervisor and was disconnected rather than being put in contact with one.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I had receive a credit report on XXXX XXXX, 2016 report # XXXX. I tried to use contact information at experian.com/disputes to dispute XXXX claims. It would not let me dispute these on this site. XXXX were XXXX XXXX for student loans. These loans were sold to XXXX and are in good standing. XXXX is XXXX for a car that was supposed to be included in a banruptsy XXXX.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (IN)

I have XXXX Stafford Loans, original amounts of {$8600.00}, {$10000.00} and {$9500.00} - Total {$28000.00} - originating XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. My current balance as of XX/XX/XXXX is {$30000.00}. 
My husband and I filed Chapter XXXX Bankruptcy XX/XX/XXXX due to having a very ill son ; we were in a 5-year XXXX repayment plan which ended XX/XX/XXXX. During these five years, the Indiana Trustee, through the XXXX XXXX XXXX, paid a total of {$19000.00} to the US Department of Education and XXXX XXXX XXXX ( now XXXX ). Great Lakes is now my service provider. I have provided proof of payment several times to Great Lakes only to be told that they do not show any payments being made to XXXX XXXX XXXX ( now XXXX ) in the amount of {$8600.00}. They do show some payments made to the XXXX XXXX XXXX XXXX, but not all of them approximately {$6000.00} although {$11000.00} was actually paid. 
After we were out of the bankruptcy, Great Lakes started demanding payments of $ XXXX/month. I called and explained that their figures were incorrect. After all of the payments made by the Indiana Bankruptcy XXXX, I should have a remaining balance of approximately {$8900.00} plus some interest. I have called Great Lakes, spoken to a Manager, sent proof of payments from the XXXX XXXX XXXX, written letters, including to the US Department of Education, searched the internet for assistance, etc. I am getting no where with these people. I have placed my loans in forbearance because I can not afford the $ XXXX/month payments, the loans will come due XX/XX/XXXX. I need help. I am XXXX years of age and will be retiring very soon, I was hoping to have this mess behind me before I retired. I am writing to you because I saw a news article about a law suit that the CFPB has filed against Navient for cheating millions of students. Let me know what I need to do. Thank you.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/2022, XXXX XXXX  transferred servicing of my mortgage to Mr. Cooper. I was told I was going to receive a welcome package in XXXX  days. As of this writing, I did not receive a welcome package in the mail. I tried to register on XXXX, and they have no record of my loan being transferred from XXXX XXXX. Here is what they said : " Welcome! We didn't find that loan information in our system. If you received a letter or email about your loan being transferred to Mr. Cooper, this probably just means we're still working on entering all your loan data into our system. 

Typically, it takes up to XXXX days from your official transfer date for all your data to be entered. Please visit this page again soon to look up your loan and view its details. 

For more information, you can browse the FAQ at the bottom of this page for answers to common transfer questions. '' I tried to call ( using my SSN ) on XX/XX/2022, and they have no record of my loan. I can't seem to get in touch to make the payments. 

XXXX XXXX # XXXX
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (NY)

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the 3 national credit bureaus XXXX, Equifax and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX  dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX  ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to XXXX XXXX XXXX. On XX/XX/XXXX I got a response from XXXX that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to XXXX XXXX XXXX  5 ) Copy of the response letter from XXXX XXXX XXXX 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from XXXX XXXX XXXX thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - Consumer Experience Advocate '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at XXXX
Consumer complaint received 2015-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (OH)

This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. 

The account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. 

XXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). 

When I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. 

Please delete all XXXX accounts on my credit reports. 

XXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. 
I received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (VA)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

I applied for a first time homebuyer loan and was told that no action could be taken at the time because of my credit score, However there was correspondence on my behalf to other lenders which asked me for all my iformation but still denied me an opportunity to even work with a mortgage company.
Consumer complaint received 2016-04-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

I am receiving calls everyday, less than 24 hours from when I previously spoke to them. I give them the same spill, " I am unemployed, I do n't receive unemployment, I have no income whatsoever at this time. ''
Consumer complaint received 2022-02-22
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. (AZ)

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.
Consumer complaint received 2022-02-22
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. (NC)

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.