davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

I am looking to refinance the student loan that I have with Navient. 
I emailed them XX/XX/XXXX to get this but have received no response I called them XX/XX/XXXX to request a loan payoff statement that the new lender asked for, they promised to email but have not received it yet. 
I emailed them again XX/XX/XXXX and waiting to hear back. 

They have repeatedly called to offer to refinance the loan with Navient but are not responding on the document that I need for the new lender.
Consumer complaint received 2022-10-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX - XXXX Personal Expense Collateral - XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXXXXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureau have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following items are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XX/XX/2022.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MN)

I paid my student loans in full in XXXX of XXXX through FedLoan, closing my account. My account was going to be transferred to XXXX but then I got a letter from FedLoan stating that the transfer was delayed or cancelled & that they would contact me if that should change on XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX of XXXX I requested a refund of {$10000.00} of the {$10000.00} that I paid in full as part of the CARES Act. I was told initially that this would take 1 week or up to 1 month. I called again in XXXX to ensure that the request for the refund had gone through as I hadnt heard anything or received any confirmation. They told me it had gone through, but that the information I was given to me initially was wrong & it could be six months. They said it showed in their system the refund has been requested but that it had moved to the XXXX XXXX XXXX  & that was what the hold up was. I called a few days ago & the automated messaging on FedLoan said my loan had been transferred to XXXX. I finally got through to customer service & the agent ( # XXXX ) said it continues to show that I requested the refund & that the request had been sent to the XXXXXXXX XXXX XXXX XXXX. She said it also shows that my account was transferred to XXXX but that the refund would still be going through FedLoan because thats who I paid the account off with. I still have yet to receive any account related letters via email or mail to inform me that my loan with a {$0.00} balance was transferred to another loan servicer. Now I do not have any way to even check the status of my loan balance to see if I have been refunded.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have 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 15 U.SC. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc. (OH)

To Whom It may concern I do not believe that I owe this debt or what you say I owe. 
FABCO # XXXX Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2019-05-16
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: I.C. System, Inc. (OH)

To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C  SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. I C SYSTEMS COLLECTIONShas not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (MI)

back in XX/XX/2015, a car accident occurred where i had to be taken to the hospital by a friend ( not ambulance )! at the time this occurred i had and still have state medicaid. which should have covered the bill. and for some reason now they are denying the fact they can verify that.
Consumer complaint received 2022-09-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC. (NY)

XXXX Axos Bank, XXXX XXXX, CA XXXX. Our normal communication is by regular US postal mail or my regular email. CD account matured on XX/XX/2022 & requested to close the account on XX/XX/2022. I was told to send them a " confidential '' e-mail of the bank to close the account ( they refused to do it over the phone ). 

Two weeks later, I heard no response. I called the bank & was told that they had sent me a response through the " confidential '' email. You have to dig deep into their web site to find this " confidential '' email. Essentially, they stated that they will send me a paper check which will cost me {$10.00} or by XXXX {$50.00} +. MY interest of the CD account is only about {$100.00}. Since I passed their Grace period there will be another penalty of {$60.00}. Since you have other account, I will waive the {$10.00} check fee but you still have to pay the {$60.00} penalty to close the account. 

First of all, I did not start with Axos bank. I started with the XXXX XXXX XXXX which was bought by AXos. Their action is illegal and is an act of highway robbery. It makes one vry difficult to close a CD account which has the lowest rate in the country. 

Thank you
Consumer complaint received 2019-05-28
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: Transfinancial Companies, Inc (LA)

Upon retrieving my credit report I found that Transfinancial Companies had placed an account in the amount of {$940.00} and  then said the would send validation of the account after requesting this information several times. Once I received the validation of the account it was a gross violation of my HIPAA rights. I did not sign anything in order for my personal medical records to be released to this company or any other company. With such a violation I would ask that the account be removed immediately from my credit reports.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to an transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (FL)

There is too much unacquires on my credit report. Fraud from following companies 1. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C. (NJ)

The Debt Collection Agency Trident Asset Management, LLC is reporting an old account from XXXX using and incorrect date of delinquency. The account has been re-aged to appear newer than it actually is. Which will subsequently allow the account to remain on my credit for much longer than legally allowed. The account is reported as having an open date of XX/XX/ when in fact the account was actually opened and became delinquent in XXXX. In XXXX I was no longer living at the address associated with the XXXX account and had in fact not been living there for 2-3 years. I have contacted the credit bureau regarding this issue and instead of verifying the delinquency date with supporting documentation from the collection agency, they only verified if the debt belonged to me. I contacted the collection agency with a certified direct dispute of credit reporting. I listed the information being disputed as the date of delinquency of the account. I have requested documentation showing the date of first late 30 day payment. I am still awaiting a reply.
Consumer complaint received 2019-02-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (CA)

On XX/XX/19 XXXX put me in loan Forbearance even though I did not request it. this is a problem because, even if I make payments while in forbarance ( which I did ), they do not count towards qualifying payments for loan forgiveness. I have requested to have that forbearance removed twice to no avail. 

I just noticed that they also did it this past XX/XX/XXXX. I was hung up on during my last phone call by XXXX employee # XXXX. I'm trying again now.
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (KY)

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX 6. XXXX XXXXXXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I know I have been wrongfully charged late fees and interest applied to my total remaining balance due to the complete incompetence of payment processing and auto pay set up with Navient Corporation. This has occurred over the entire course of my student loan repayment after leaving college though I do not. I unfortunately do not have much record of the incidents leading me to this conclusion at this time. I hope to seek Justice in this matter none the less. Navient Corporation has called me many times over the course of my Dept repayment to inform me of late and not received payments. On the first of these phone conversations which they informed me was being recorded, I complained about not being able to login online to view my debt. They informed me this was due to them not having my correct social on file and asking me to mail a copy of my SSN card in the mail to the company. I complained that I would like to set up autopay to avoid these late fees and misprocessed payments, only to be told that I would first need to send in my SSN. I was extremely frustrated by this and failed to comply, thinking it a ridiculous request. Only to find out the next time I spoke to them over the phone that in fact, they do have my correct social on file and I don't need to mail anything in. I then was finally allowed to bring my balance current and I asked to set up auto pay to avoid problems in the future. I gave the representative on the line my account and routing number and was informed that it was set up and everything was taken care of. This occurred about a year ago, only to find out six months later, that in fact, auto pay had not been set up and I was again late in my payments for the entire time that I was under the impression it was on auto pay. I then was given the option to bring my balance current again, which I did and I also made sure to have them set up auto pay to avoid this from happening again and gave them my routing and account number a second time. I was given yet another " all future payments are set up for autopay '' by the company representative. I have just today ( XX/XX/2019 ) been informed that in fact this was another lie. I just moments before typing this complaint was on the phone with Navient to complain about not being able to login online to see my loan. The representative again informed me that I am past due on my payments and that auto pay has not been set up. I could barely believe it and tried explaining my situation to the representative who was unsympathetic. So I made my balance current yet again and yet again set up autopay. Only this time I asked for Navient to send me written confirmation of autopay being set up. I feel as though I may never receive justice for the years of mistreatment and additional charges and delayed loan payoff and credit score hits received due to the gross incompetence of the payment processing of Navient Corporation
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Services Group, Inc. d/b/a ConServe (MO)

On XX/XX/2019, XXXX XXXX was contacted regarding a debt allegedly owed by XXXX XXXX. The type of debt was not discussed, but XXXX XXXX has never been a cosigner for XXXX XXXX at any point in time.
Consumer complaint received 2019-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

PennyMac has continued to hold my insurance settlement hostage for my kitchen remodel after submitting multiple contracts to PennyMac and being told on XX/XX/2019 that everything was being " processed '' and waiting for PennyMac to reach out to the contractors to collect any information so that my kitchen can be completed. Their POC XXXX XXXX has habitually and maliciously ignored and lied and has made it a point to stall payout while profiting off stolen interest on consumer insurance settlements as numerous other consumers have formally complained on numerous complaint websites.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NY)

XXXX XXXX XXXX Has been trying to collect a debt that has not been rebilled to MEDICAID. 

It first used XXXX and now has transferred the account to AMERICOLLECT The bills are from XX/XX/2013 the statestatute of limitations has passed. 
All bills are billable to medicaid. 
they are balance billing for {$1.00}