davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
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. (GA)

In the last few months I have contacted XXXX  in regards to an inquiry on my credit report that was never approved. I have been told that I would need to contact the company that the inquiry was sent from. When I contacted the company I was made aware that they did not have any record of my information and could not provide proof that an inquiry was acquired through them. They me that XXXX would have to remove the inquiry. Today after learning about a glitch that XXXX had with their system around the time that the inquiry was placed on the report I called and spoke with XXXX XXXX in the Special Handing Department in Pennsylvania. I made him aware of the run around that I have faced and that the inquiry was placed on my report during the time that the glitch with the system occurred. I made him aware that the company in question did not have any record of me inquiring service with them and that I personally never did. He informed me that there was nothing that could be done even though the information was in fact false. The inquiry listed on my report states " XXXX ''. <P/>There has also been recent inquiries that were never authorized by me in XXXX 2017. I placed fraud protection on my credit report a requested that these inquiries be remove as well. XXXX response was that " moving forward the fraud protection will help protect me, but the present inquiries would remain ''. That is even if they were not approved by me.
Consumer complaint received 2017-07-13
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: BARCLAYS BANK DELAWARE (GA)

Dear XXXX and Barclay, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for XXXX to delete this account on XXXX XXXX, 2016. Therefore, both XXXX and Barclay have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.
Consumer complaint received 2017-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (SD)

I have tried several times to consolidate and lower monthly payments. I have various interest rates as high as 13 %. They are unwilling to discuss and say they have nothing available. When I was unemployed they did not offer any relief and continue to offer no assistance or forbearance. They also where assertive in borrowing me funds while I had already borrowed {$65000.00} for my degrees already. After reviewing my credit I expect to be denied.
Consumer complaint received 2017-07-13
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. (MI)

I contacted Experian on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Experian they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion would not respond to disoute although the {$180.00} was paid off and  XXXX  did respond and has account closed with  XXXX  balance
Consumer complaint received 2017-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

In  XXXX  of  XXXX  I renegotiated my rate in the rate reduction department of Navient. I have been in this program for few years now and each year I renew the terms. For the year beginning in  XXXX  of  XXXX  I agreed to pay {$440.00} on the  XXXX  of each month until  XXXX   XXXX . My fixed interest rate for that time period would be 3.5 % for  3  of my  4  loans with the company while my  4th  student loan would not be included. Earlier this month I logged on to my account to make sure that everything had been update with a 3.5 % interest rate. The 3 loans have not been. Instead my loans show variable interest rates of 2237 Signature Student Current Balance {$16000.00} Interest Rate 4.250 % 2245 Signature Student Current Balance {$20000.00} Interest Rate 8.250 % Current Balance {$26000.00} Interest Rate 14.750 % When I called into the rate reduction program ( after being bounced around other departmen t 4  or 5 times even though I expressed to the operators that I needed to speak with someone from the rate reduction program department ) I was told that due to a failure on their end my application was stuck in the review process for longer than intended. During this time Navient still took out of my checking account the amount of money we agreed upon in  XXXX . I was also told that if I logged back on to my Navient account after  XXXX   XXXX  I would see that all of my information would be updated to the correct amount. I just logged on today   XX/XX/XXXX   and the rates have not changed.  <P/> My concern is that my total balance will go up higher than it should because of the incorrect interest rates.
Consumer complaint received 2017-07-13
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2017, XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I have disputed several times that the frontier account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from frontier sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.
Consumer complaint received 2017-07-13
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: Monterey Financial Services LLC (TX)

On XXXX XXXX, 2017, Monterey Collections Sv. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
Consumer complaint received 2017-07-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (NH)

I spoke to XXXX XXXX XXXX, State of NJ, to find the funds deposited by my uncle, XXXX XXXX XXXX to my XXXX daughters, at the XXXX XXXX XXXX XXXX. I believe my sister XXXX XXXX XXXX was employed by XXXX and she could have provided the information, but I am not certain. XXXX XXXX advised that there are no funds in the possession of State of NJ Treasury and I should work with the FDIC to locate these CD funds. <P/>The deposit to XXXX was made on XX/XX/XXXX by XXXX XXXX XXXX ( having this day made a custodial gift under the NJ Uniform Transfer to Minor Act, with a signature of XXXX XXXX XXXX, Notary Public of NJ ( My commission expires XX/XX/XXXX - Qualified in XXXX County ). <P/>The XXXX was bought by Wells Fargo and they had no information about these XXXX accounts My uncle, XXXX XXXX XXXX died on XX/XX/XXXX and a copy of his death certificate is available from me. <P/>I am the Custodian of these XXXX accounts
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I was 3 months behind in my car loan, which paid XXXX dollars a month.the transporter came to the driver 's and took my car repossessed.for not paying. I only needed XXXX dollars to finish my contract and pay my car. In XX/XX/XXXX when the transporter from chase took my car the the a car was in good condition.after a few days the bank indicated to me that I would have to pay XXXX to get it back and I would not sell it.I paid Via wire in XXXX XXXX. To my surprise on XX/XX/XXXX I  pick up my car .. and they deliver it to me with the broken glass behind, the trunk that does not open and the driver window that is not opened. Which chase payment indicated to me that I had to speak to the hot line of the bank and put a complaint. So I did. And then the bank takes 3 weeks since then telling me that they are still investigating and that it will take time to resolve who is to blame and they will let me know
Consumer complaint received 2017-07-12
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. (IL)

I have opened disputes with all  XXXX  credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. Equifax and   XXXX   have not removed this account from my report,   XXXX   has. I also do not have any contract with the collection agency that is listed on this report.
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (ME)

Benuck & Rainey threatened a dishonorable discharge from the military if I did not pay this debt. That is not the case, and I do not appreciate someone threatening something against my military career. Especially when they have no idea how the military works. The medical facility I owe a debt to did not process my insurance claim properly, and has refused to take the proper steps to do so. They did not contact me by mail, phone or email to tell me they were having a billing issue. I did not get any medical statements as well.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I paid off my loan with Round Point Mortgage on XXXX XXXX, to date I have not received the {$2700.00} left in my escrow account. I 've made multiple phone calls to Roundpoint Mortgage and Servicing, been left on hold for up to an hour until I finally had to hang up. I am told a different story each time I call. Was told first check was sent XXXX XXXX, then I was told it was issued on XXXX XXXX. I explained I have not received the check and was told a re-issue check was sent XXXX XXXX and yet I have n't received that check either. I filed a complaint with the CFPB on XXXX XXXX and received a letter from Roundpoint confirming that complaint. How is it that I can receive a letter from Roundpoint about the complaint I filed and yet I ca n't receive my escrow balance which is rightfully due to me????? I believe I am being lied to about them actually sending a check. Each time I get a rep on the line I ask for a manager or supervisor and for some reason, they do not want me to talk to one. I understand the time line for returning escrow balance is 20 days. It is over 60 days at this time and no escrow refund. PLEASE HAVE SOMEONE WITH KNOWLEDGE AT RPM call me regarding this matter.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

My credit reports are showing a {$1600.00} balance from XXXX XXXX XXXX owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. Equifax lists the filing date as XXXX XXXX, 2014 while XXXX lists the filing date as XXXX XXXX, 2014. <P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are XXXX bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.
Consumer complaint received 2017-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (SC)

I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check. <P/>
STAY AWAY FROM EXETER FINANCE if you can ...
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts &   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with  XXXX   XXXX   XXXX  to ensure my financial responsibility moving forward.  <P/> As a courtesy, I am requesting that you send a letter to  XXXX  and   XXXX   in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e  XX/XX/XXXX  and that  has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act.   The credit reports state X unknown since   XX/XX/XXXX  b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years.   OK on the credit report mean what? I never paid for those months so where is the proof?   Missed payments? I never made payments at all. The balance remained the same until I consolidated to  XXXX  balances. In actuality I still never paid anything and still on  XXXX  a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything.      42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed.  <P/> I have consolidated all my loans   XX/XX/XXXX   with  Nelnet  and recently  XXXX   XXXX   XXXX  has my loans. The only people that should be on my credit report should be  XXXX   XXXX   XXXX  and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence.  <P/> Thanks in advance.