davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
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. (CA)

I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX years old. South Carolina XXXX Loans then sold these same 3 loans to XXXX XXXX XXXXXXXX. These 3 loans need to be removed too as they are the same debt. Selling the same loan over and over to destroys my credit and is against the law to do. Equifax has all 3 XXXX XXXX XXXX still on my report last dated XXXX/XXXX/XXXX which XXXX has sold to them and need to be removed. I have previously asked that they be removed. We were warned by the refinance agencies that Equifax would be difficult to deal with and they were right. 
I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues. XXXX and XXXX had the decency to remove them. Why has n't Equifax done so? 
Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc. (MS)

XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. Medical Financial are billing me for this amount.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

Went through the XXXX website to request my free credit report from all 3 credit bureaus. I had not received any credit report this year. The 1st company I requested my credit report from is Experian. After I view and saved my experian credit report, I opted to get my experian credit score as well because it was advertised for {$4.00}, and before my credit score was displayed another message from experian offering to provide me with the credit scores for all 3 credit bureaus was offered, however no price was displayed, so therefore I assumed the 3 credit scores were at no additional cost. To me, my assumption seems reasonable, as I thought perhaps Experian is competing with XXXX XXXX XXXX. Therefore, I opted for all 3 credit scores from Experian. About 2 minutes after I viewed my 3 credit scores and logged out of the Experian website, Experian emails me thanking me for the {$40.00} I paid to get all 3 credit reports and all 3 credit scores.

To me this borders on fraud by Experian. I would never pay for all 3 annual credit reports that are free for me, moreover I would not pay {$40.00} for 3 credit scores when I know all 3 credit scores purchased separately would cost less than {$20.00}.

Experian seems like such a dishonest company, desperate to cheat the public to make ends meet. Why would such a company be the custodian of personal credit information and social security numbers? It seems to me that this sort of dishonesty could lead to Experian secretly selling consumer information to others that have a need for it. Experian is NOT a company to be trusted with this level of information.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

I have been disputing with GLA Collections for several months to verify the debt they are claiming I owe on past XXXX XXXX. The dates of service are as follows : XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX Since my first dispute, I have yet to receive any contracts or explanations of debt bearing my signature, certifying I owe this debt. I have since filed complaints with the police and FTC in conjunction with their unwillingness to cooperate. I demand that the derogatory items be removed from my credit reports with all XXXX bureaus, due to failure to comply with my ongoing requests.
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (CO)

EXPERIAN is once again reporting XXXX XXXX XXXX XXXX Account # XXXX This account was removed from my report due to identity theft. 

EXPERIAN deleted the account from my report but now its back.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (NC)

i have a charge-off that is over 7 years old ( 10 to be exact ) that has showed back up on my credit report as of XX/XX/XXXX ( Originally placed as a charge off in XX/XX/XXXX ) which is past the statute of limitations. This should only have been showing on my report for up to 7 years. I have disputed this several times with no results. Not even a detailed letter from the company showing what I allegedly owe. Ive only received that said information has been verified as correct which makes no sense because its past the statute of limitations. This is on my Experian report. My last dispute results report number is XXXX for XX/XX/XXXX & results were 'account verified as accurate '
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NV)

I started working with XXXX XXXX XXXX to finally get out of debt on my credit cards on XXXX/XXXX/XXXX, the company was going to work with my credit cards to pay them and get out of debt, XXXX deducted from my account {$480.00} each month. I was unable to make more payments on XXXX/XXXX/XXXX and cancel my account. I received a check on the mail from the company with my refund but Global Client Solutions charged me fees of $ {$5100.00} almost 80 % of what I deposited for 16 months to pay the debt, Now I have the full debt and no money to pay. 

Global client Solutions its taking advantage of the situation and taking the limited resources I have to pay the credit cards, the offer me help, but now I see they just took advantage of me, and who knows how many people out there.
Consumer complaint received 2017-10-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastpoint Recovery Group, Inc (VA)

Eastpoint Recovery Group , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with XXXX XXXX, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia.
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.
Consumer complaint received 2017-10-31
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. (FL)

XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Consumer complaint received 2017-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

From XX/XX/XXXX-XX/XX/XXXXI attend XXXX XXXX College ( University ) XXXX Ma, and from XX/XX/XXXX-XX/XX/XXXX Attended XXXX XXXX  College XXXX Ma. I do not recall signing loan checks etc or paperwork for loan payments for the schools to receive payments. After graduation, I struggled to make payments but I did for several years. There was a time I had to file bankrupty for many factors, one I could n't find a job that would offer the salary that would allow me to live normally. Regardless of what the college said of " preparing me to receive a high paying job after graduation. '' I ended up in financial debt and had to file Bankrupty. I reached out to XXXX XXXX and they did not offer any solutions. After some time, they finally offered me different payment options. However, the payment plan was not reasonable and was very high. Deferments and forbearance only took a loan about 10,000 originally, and now it 's over {$33000.00}. Due to other hardships, I have not had the ability to " catch '' up nor have the ability to pay this loan. They have not returned my calls and not have been helpful. I feel as I was taken advantage of financially. They did not reasonably help me find a financially sound way to help me with this debt. It is now three times this size and only increasing. They did not give me options but only profited over the years on my hardship.
Consumer complaint received 2017-10-31
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. (NY)

This issue was never resolved and has been on going. I am to the point of filing a lawsuit because the false reporting is causing me XXXX and is taking on me moving because do to your companies false reporting. There is a collection listed as security in the amount of {$1900.00} opened XXXX XXXX and also XXXX XXXX {$1400.00} XXXX XXXX XXXX which is fraudulent and does n't belong to me and I would like remove. Also your agency is not reporting accurately on my credit cards which I have paid down the balances please get these things corrected as they are cause extreme stress on my life. Having a XXXX child with XXXX XXXX XXXX XXXXs enough so please fix these issues so me and my son can move. If there 's any questions I can be reached at XXXX
Consumer complaint received 2017-10-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd. (TX)

I received a phone call from XXXX XXXX stating that I was going to be served at my job and arrested for an outstanding debt. I advised I could n't have personal phone calls at work and asked him to please not call again. He then called right back and got my office manager who he informed I would be served and arrested for felony theft charges tomorrow during business hours if I did not call him back within the next 30mins. Told her it was from XXXXXXXX XXXX and gave her my social and dob. Gave a number of XXXX to call back but called on a phone number of XXXX. I then clocked out from my job and went to the back where I lost time to talk to " Detective XXXX XXXX '' who had papers in his office with my ssn on them to serve me with paperwork at my job tomorrow if I did n't pay {$640.00} to them today. Said they would send papers to my employer stating fraud charges had been filed and that I passed a debit card and then closed an account. I said I never did that. I did change banks a few years ago but did n't recall owing anyone. He went on and on about how i would be arrested and he was sorry and that he could settle for XXXX today or if I would pay XXXX today then I would owe XXXX total with XXXX a month and he might could get his boss to let him file a hardship for me and take some money out of their escroe to pay part then i would only owe XXXX. I hung up. I have now attemped to call him back and it goes to voicemail and no one will return my call after i stated I had spoken to an attorney and needed a address so I could send a validation request letter to and have never received a call back. He had my office manager ready to fire me and has caused all kinds of panic. Also he stated he was from XXXX and XXXX and I have found no record of this lawfirm nor are they tied to the two numbers I provided.
Consumer complaint received 2018-06-18
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. (CA)

I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( Trans Union, XXXX, and XXXX ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
If I have misinterpreted this statue, please advise.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is retaliating against me for filing a complaint with your office. I complained that they have in effect stolen my Hurricane Harvey insurance proceeds by refusing to cash the check locally. They have forced me to sign the check and mail to South Carolina. They have delayed the restoration of my flooded home by 10 days. I have no check and no information on when said check will be sent to me. Today I received a " hold wells fargo harmless form '' This is EXTORTION. This document was not on any list of required documents. This only came after I filed a complaint with your office, my senators, us representation and XXXX " reclaiming my time '' XXXX on the house banking committee. Wells Fargo has indeed harmed me by hold {$53000.00} without paying me any interest and delaying necessary work on my home. I doubt I will have a contractor by the time they get around to reissuing the check. He is getting more and more jobs EVERY DAY. And I ca n't get him started on my home. I have tried to work with a " customer resolution specialist ''. They call and are so very sorry I am frustrated but they know NOTHING. They are going to look into it.
Consumer complaint received 2017-10-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Today XXXX/XXXX/XXXX, I attempted to contact Experian due to some inaccuracies showing on my report. I have numerous unauthorized inquiries reporting. The XXXX I spoke to initially started the process and refused to go any further because she states that I have opened an auto loan in the time frame from XXXX. Her facts are completed inaccurate and are based off assumption. While having purchased a car in XXXX XXXX, I only use one bank to process financing on all of my vehicles in which is XXXX XXXX XXXX XXXX. In XXXX I refinanced the same car with XXXX XXXX XXXX XXXX. The fact that she took it upon herself to deny me rights to reporting inaccuracies on my file is nothing less than mind blowing. I request that all none account associated inquiries be removed from my file, for I have no knowledge and did n't authorize any of them.
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.
Consumer complaint received 2017-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to TransUnion. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went Bankrupt XX/XX/2005 and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan. 

I 'm respectfully requesting that TransUnion remove this out of date information from my credit report. It also belongs to my Ex-Husband and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I originally borrowed {$51000.00} in XXXX and have been making payments since. In XXXX Navient capitalized {$24000.00}, which is 48 % of the borrowed amount and I have n't received a reason why such a high percentage was capitalized. Through XXXX/XXXX/XXXX there was {$24000.00} of capitalized interest and the {$24000.00} + the {$51000.00} = {$75000.00} so I 'm not sure why there was a consolidation payment of {$91000.00}. My new balance is not more than doubled of what I originally borrowed and there have been payments throughout. I believe the capitalized interest total is wrong, the consolidation payment total is wrong and my current balance is wrong. I have been trying to get a breakout or a walkthrough that shows all debits and credits and I have n't been able to get that from Navient. 

I 'm being billed more than twice what I owe and I do n't want to default of hurt my credit but I do n't know what else to do if I ca n't get a corrected balance. I also never approved the consolidation in XXXX I was looking to see if it would be beneficial for me to do so and the loan was consolidated without my approval. I need to get resolution to all of these matters before this situation gets out of hand and the amount owed doubles again. It seems like Navient wants me to pay upwards of $ XXXX when it is all said and done on a loan that was originally $ XXXX I do n't see how this is even legal. 

Thanks
Consumer complaint received 2017-10-31
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: HUNTINGTON NATIONAL BANK, THE (MI)

I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to XXXX. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went XXXX XXXX XXXX, XXXX and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan.
I 'm respectfully requesting that XXXX remove this out of date information from my credit report. It also belongs to my XXXX and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.