davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

XXXX XXXX, 2017 To whom it may concern : I need assistance from your organization. I would like to file a complaint against a collection agency by the name of AMCOL SYSTEMS INC. 

This collection agency has placed a fraudulent collection onto my credit files, and I want this fraudulent information removed immediately. 

This agency has placed a collection in the amount of {$1500.00} onto my credit files, claiming that I owe these funds to XXXX XXXX XXXX XXXX. 

They are claiming that I owe this Care Now style emergency room this money. I have not visited that facility in over a year, and any claims that were created during my visit at that time, have already been paid in full, by my insurance carrier some time ago. 

From what I have learned, there is a lawsuit that has been recently filed against this medical facility, and I presume that this is why they have recently changed their name. 
That medical facility has a bad record of exorbitantly overcharging patients for minor services performed, as well as not crediting patients for medical bills that have been paid, they use different AKAs when it comes to collecting payments, and I suppose this causes confusion for them, so the one that suffers is the patient, because the billing staff cant keep their records straight. 

This collection agency has broken the law, they are committing slander of credit, because they are charging me for a debt that I do not owe, as well as they also did not contact me at all prior to placing this fraudulent information onto my credit files to verify the accuracy of this debt. 

They have damaged my credit rating, and thereby caused me harm, and this has influenced my ability to conduct my financial transactions, and I am seriously considering initiating legal action against this collection agency. 

I want AMCOL Systems Inc. to provide to me in writing, proof that they are licensed to collect in my state, as well as, I would like proof of their license numbers, and their Registered Agent documentation. 

I want AMCOL to respond directly back to your organization, and you can provide me with their response, I want your agency fully involved in my complaint.
Consumer complaint received 2017-10-19
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. (CT)

someone from Equifax called me to resolve an identity fraud issue. Said he needed my social security number. I said he does not need this -- he has my number already. 
I gave him the last 4 digits -- he said he needed the entire number. Not sure of what to do I gave it to him, and then said I would record this call as he was recording my call. 
He said I did not have his permission, and hung up. 
The number that called me was XXXX XXXX. I do not know if this is an actual Equifax number, but I do not feel that the person should have hung up abruptly. 
It was they who created the identity theft/fraud problem. If this is Equifax who called they should at least reference the reason the complaint. 
They called today XXXX XXXX, XXXX at approx. XXXX pm
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and seen an unauthorized inquiry from XXXX XXXX I contacted the company several times as well as sent a letter through fax to see who pulled the report. All attempts to contact a representative or manager have gone ignored. There is a hard inquiry from this company that is causing harm to my credit report. This is a violation of federal law and my rights according to the FCRA. I would like the inquiry removed from my report immediatley.
Consumer complaint received 2017-10-17
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: Innovis (TN)

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX has my addresses correct and most of my older accounts, but XXXX and XXXX and Innovis do not. If XXXX could share these records with the other bureaus my information would be more correct.
Consumer complaint received 2017-10-17
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: Experian Information Solutions Inc. (TN)

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but Experian and XXXX and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

I had four items coming out of my checking account within 3-4 days of each other. One withdraw was for a automatic payment to my overdraft account for {$25.00} dated XX/XX/XXXX. Two withdraws were for {$180.00} and one withdraw at ATM for {$60.00} dated XX/XX/XXXXTwo of the other withdraws were for XX/XX/XXXX at {$25.00} a piece. One larger one for {$400.00} was dated for XX/XX/XXXX.At the time there was {$100.00}  left in account on XX/XX/XXXX and {$88.00} in OD account, plus a upcoming payroll deposit of {$460.00} dated XX/XX/XXXX.The checking account was debited the {$400.00} amount first causing the other debits to come up short and causing 4 - {$36.00} OD fee charges. Then within two days of this incident a payment for {$45.00} was withdrawn, and I was charged for {$36.00} for a NSF fee. 
When I contacted the bank they had no viable information on how this happened or why it happened. 
During this time I had to scramble to borrow money from family members to cover shortage and extra fees that would be accruing. The bank charges {$36.00} OD or NSF fees plus {$7.00} a day for four days after transaction. This would have wiped out my upcoming pay period not to say that I was short half a payday for the next three weeks paying back my relatives.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

XXXX XXXX, XXXX TO WHOM THIS MAY CONCERN : I am wanting to file a complaint against Navient dealing with my student loans. I have been dealing with this issue since XXXX XXXX and can not get a definite answer to a monthly loan payment. I am unable to afford what Navient is expecting me to pay. I have talked to many individuals who will give me an amount I am able to afford, and then I will get a bill for a different amount. When I call about this, no one can help me. They tell me I must pay {$5.00} to work on this. I have attached documents that Navient has sent me showing different payment amounts. I have been trying to make payments since XXXX XXXX. Right now, I am able to pay {$260.00} a month. This is the payment that XXXX ( ID # XXXX ) told me would be my payment. When I called in to make my payment that is due XXXX XXXX, XXXX, Navient told me the payment would be for {$570.00}. I was told that by XXXX ( ID # XXXX ). No one can tell me who I need to talk to, so that I can get my payment to one that I can afford with my net income and supporting my wife and two children.
Navient has only given me the two options : one, pay the {$570.00} a month or two, put the loans in  deferment and pay the {$260.00}. That is basically throwing money away. 
While dealing with the Navient issue, a company called XXXX XXXX XXXX XXXX reached out to me and told me they could consolidate my loans with me making a payment of {$150.00} a month for twenty years. I did this after being unsuccessful with help from Navient. After paying them {$190.00} for three months to process the loan, I found out it they had been taken over, and they were a fraudulent company. I was informed of this by XXXX XXXX and XXXX, XXXX who told me to stop withdrawals from my XXXX bank account. As you can see, I have tried everything. I am ready to start paying my student loans, but right now, I am only able to afford the {$260.00} a month. 
I have attached the many different statements Navient has sent me. Please let me know what I need to do to get affordable payments, so that I can begin making payments. 

Thanks, XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-17
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. (OH)

AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXXXXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX  XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Consumer complaint received 2022-11-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

I was unemployed from XX/XX/2022 until XX/XX/2022. During that time, I was receiving unemployment payments at a significant reduction in income. When I notified Navient through phone conversation that I was no longer employed and that my income was reduced as a result, I was told I had to continue paying the same amount as I was when I was employed full time. I attempted to do that just that as demanded. When my savings ran out in XX/XX/2022, I informed Navient that I would be unable to continue paying but that I had accepted a job offer and would receive my first paycheck in XXXX and be able to re-continue payments at that point. I was told that I would receive no more calls and that I could make up the missed payments at a later date. 
However, not only myself, but my co-signers constantly received harassing phone calls, despite calling multiple times to explain.
Consumer complaint received 2017-10-19
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. (NV)

I have sent 4 request for Equifax to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Equifax regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
Consumer complaint received 2017-10-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Penny Mac failed to close on a loan modification in time for me to get the HAMP benefit that closed on XX/XX/XXXX which raised my monthly payments significantly. Penny Mac requested pre-approval from the VA for a loan of 3.5 % and a 480 month term and the VA granted an approval for this loan. I spoke with the VA and they will confirm this.

On XX/XX/XXXX a trial modification payment of {$2700.00} at an interest rate of 3.5 % commenced. I made 7 payments from XX/XX/XXXX to XX/XX/XXXX and Penny Mac failed to send me closing loan documents. Now Penny Mac is requesting a loan modification of XXXX with an interest rate of 4.375 %. On top of this new loan they added my ex-wife to the proposed mortgage. She was not on the original mortgage and she recently claimed bankruptcy.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing is a debt collection agency. I was behind on 3 payments of {$900.00} due to a job loss and was able to come up with a payment and sent them one month on XX/XX/XXXX post dated for the XXXX. This payment was sent back to me and no correspondence from the lender occurred to help me resolve this matter. I have had this happen to me in the previous months and resorted to calling in my payments which they reluctantly accepted but refuse to defer any payments. I am in a federal disaster area and have no job for the moment. I wish to make my regular monthly payments and not go into foreclosure but am unable to make up for the payments I am behind on. I have tried to make these monthly payments but the lender keeps refusing them. As a debt collector I would assume they should cash my checks in order to repay my loan. I would like to know if there is a way to get at least 1 payment deferred so I can continue to make my regular monthly payments without having them send them back in an attempt to foreclose. I have never heard of a debt collector not willing to accept a payment. I would like to continue making my monthly payments and not have them be refused. I will continue to try and resolve this matter myself but if you can offer any assistance or insight that would be most appreciated. Thank you sincerely.
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX2021
Consumer complaint received 2017-10-18
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: EQUIFAX, INC. (TX)

I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
Consumer complaint received 2017-10-18
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. (SC)

My student loans are serviced by XXXX. In XXXX, I spoke to a XXXX representative over the phone and gave him my bank account number and routing number to make a payment for XXXX months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than XXXX days delinquent. I was then transferred to a XXXX XXXX who set up auto pay for me and opined that perhaps the XXXX representative who took my information down did so incorrectly, and that my bank rejected the payment. This XXXX updated my records and brought my account current. I assumed all was well until I received a credit alert that XXXX had reported XXXX accounts XXXX days delinquent, crushing my XXXX XXXX. 
XXXX tells me that it sent me XXXX letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from XXXX that I did not receive, but it is not uncommon for their representatives XXXX or their automatic dialing service XXXX to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
XXXX informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but XXXX will not provide it. All XXXX needs to do to make this right is remove the negative information from my report.
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.
Consumer complaint received 2017-10-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Experian. They did not fix security loopholes which they were notified of, and their negligence breached the privacy of 145 million Americans. They then knew about this, and did not notify the at-risk consumers for 6 weeks!
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My wallet was stolen. With my social security card credit cards banks cards. Id etc they tryed to open banks phones credit cards. Loans. And they used my atm card and got my money