davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

We secured a private educational loan in XXXX for our son, with a co-signer who had a relationship with and was invested in our son. The original loan was {$67000.00} and was with Sallie Mae, not with Navient. 

Our son died in XXXX of XXXX before completing his education. We no longer have a relationship with the co-signer, as his relationship was just with our now-deceased son. 
We requested a forbearance every year since his death and were declined every time We were offered a reduced payment plan ( which we accepted ) not realizing that it would 1 ) add to our amount owed 2 ) would forbid us from removing the cosigner from the loan Because we could not afford the nearly {$1000.00} per month loan payments required, we accepted the reduced payment plan so we could manage monthly payments without late payments that were hurting our credit scores As a result, our loan is now close to {$75000.00} and we are stuck, being refused any help by Navient, and are not permitted to remove the cosigner It is unclear to us when the loan shifted from Sallie Mae to Navient, but the ugliness began with Navient We are now almost 10 years into this loan, and owe more now than the initial loan. Navient refuses a forbearance or reduced payoff, and refuses to remove the cosigner We are now nearing retirement and this loan will outlive us. It is a serious financial strain on our lives and an emotional monthly reminder to pay for a loan for our deceased son. 

We will be forced to default on the loan and/or file for bankruptcy if Navient continues to refuse to negotiate.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I CONTACTED TOYOTA FINANCIAL SERVICE AT XXXX TODAY ON XX/XX/2020. I REACHED A TOTAL OF THREE TOYOTA CALL AGENTS, TWO HUNG UP ON ME AND THE THIRD WAS ABLE TO FIND A MANAGER WHEN THE SECOND AGENT I CALLED STATED THE MANAGER WAS OUT OF THE OFFICE. MY REASON FOR CALLING TOYOTA FINANCES WAS TO SET UP A RE ACCURING PAYMENT OF {$390.00}. WHILE SEARCHING ONLINE ON THEIR WESITE I FOUND THAT SINCE I LAST SPOKE WITH TOYOTA FINANCIAL THEY NEVER CLEARED MY STATEMET OF {$700.00} SHOWING THAT I HAVE AN OUTSTANDING BALANCE. I OVER PAID IN FEBUARY TO COVER THE LATE CHARGES, WHICH TOYOTA ADMITED TO ME THAT THEY MADE A MISTAKE WITH WHAT DATE TO TAKE MONEY FROM MY ACCOUNT. BEFORE TOYOTA WAS CONTINUING TO ATTEMPT TO TAKE MONEY OUT OF MY ACCOUNT OF THE XXXX OF EVERY MONTH WHEN I POSTED ON THEIR SITE TO CHARGE ME ON THE XXXX. SO SINCE WHEN TOYOTA TRIED TO TAKE MONEY OUT, MY BANK DECLINED THEIR REQUEST AND NOW WITH TOYOTA IT STATES THAT I AM NOT TO BE TRUSTED TO PAY BY BANK WITH THEIR AUTOMATIC PAY. THIS IS SOMETHING THAT TOYOTA MADE THE PROBLEM A LOT BIGGER. NOW I CAN NOT PAY MY REMAINDING BALANCE AND TOYOTA IS GIVING ME THE RUN AROUND ON WHO TO SPEAK TO AND WHAT THEY CLAIM I CAN DO. I AM ALMOST DONE MAKING PAYMENTS ON MY VEHICLE AND SINCE MY AMOUNT HAS GONE DOWN THEY'VE MADE THINGS DIFFICULT FOR ME TO PAY. I HAVE STATEMENTS WHERE THEY CHARGED ME DOUBLE AND STIL SHOWING I OWE THEM.
Consumer complaint received 2020-04-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (GA)

The company Allied interstate LLC sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
Consumer complaint received 2020-04-09
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. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}
Consumer complaint received 2020-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian Credit Report Shows my XXXX XXXX XXXX late 18xs Cant be account settled and paid in full If anything should only show once Charge off But still should show Account Paid settled
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CO)

On XX/XX/2020 I sent a letter to Medicredit and asked for debt validation. I have not received a response from Medicredit and it has been over 30 days. I will attach the letter to this note stating what I asked for and what was not received.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

Debt is on credit report, debt is from year XXXX, contacted debt collection by written debt validation letter XX/XX/XXXX, sent certified with signature conformation, never heard back from the company, conformation was signed XX/XX/XXXX, asking to remove debt cause it's too old for collections it's been 10yrs since acct was closed. No contract was signed.
Consumer complaint received 2020-04-09
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. (AR)

I went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We suffered a hardship from Hurricane Dorian from XX/XX/XXXX and a State of Emergency was declared by Governor XXXX on XX/XX/XXXX. We had to evacuate because no one knew where the hurricane would land and it was stalling while increasing to a Category 5. In addition to the cost of preparing the house for a hurricane, which was well over {$3500.00}. Once we prepared the home with shutters, we had to travel and stay somewhere else until the end of XXXX while the hurricane moved away from the East coast. As a result, we had to close our business during this time and when we returned we had to make repairs on the roof of our home of over {$2500.00} from this disaster. We were approved for a repayment plan on XX/XX/XXXX and spoke with a representative on XX/XX/XXXX about making payments. We wanted to make 2 payments a month. We made 1 payment in the amount of {$2500.00} on XX/XX/XXXX and called to make the XXXX payment of {$1600.00} on XX/XX/XXXX for a total of the repayment plan we were approved for. The representative refused to take the payment. The representative told me that we can not make that second payment and the repayment plan is void even though we were trying to make the payment before the end of the month. We requested to speak to a supervisor who advised us that he would not accept the payment we wanted to make and that there were no other options for us at this time to retain our home. We explained that we were affected by Covid-19 and our business was closed due to no fault of our own. The supervisor did put us on a forbearance plan due to Covid-19 with a balloon payment of {$30000.00} due on XX/XX/XXXX. This is a difficult amount to have to pay when we have no idea when our business or any business will reopen in the United States. Our business is closed and we would like a deferment of all past due amounts until we can get through this economic difficulty which is no fault of our own.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Schreiber Law LLC (CT)

I have sent a letter to the Schrieber Law, LLC requesting that they cease and desist in contacting me regarding any and all matters pertaining to the alleged XXXX debt. They are not my original creditor and I have no desire to work with them. I am dealing with more than my fair share of financial strife right now due to COVID 19 and do not need the added stress from Schreiber Law, LLC as well. I am letting the CFPB know what is going on because I want a record of this issue on file.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MI)

On XX/XX/2020, I was opening a bank account at XXXX  XXXX XXXX XXXX in XXXX XXXX, MI, I was told a background check on me through Early Warning Services LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, XXXX ) stated that my social security number was issued prior to my date of birth. This is not correct as my father applied for my social security number after I was born. I provided a copy of the original social security card to the bank and they accepted it as valid. I contacted Early Warning Services to have this inaccurate information removed from my file and they denied my request. The person I spoke with, XXXX, kept telling me that they provide bank history to banks and denied that Early Warning Service had provided this information to XXXX XXXXf XXXX XXXX. XXXX would not allow me to speak with anyone else at Early Warning Services to resolve the issue.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing about Captial One 's management of a disputed charge. In the end, I have learned that if you physically hand your card to someone that the merchant can charge your card any amount they would like without having to offer an explanation for the validity of the charge. 

On XX/XX/2020, my husband traveled to XXXX, XXXX and took a car from the international airport to a hotel. He tried to pay for the charge with his Capital One card and was told that the card was declined. He then paid cash for the ride ( and did not get a receipt ). I woke up that morning and saw a notification that our card was charged {$1200.00} twice, one of which was declined. I immediately called Capital One. When I called, I received a message of potential fraud on our account and was transferred to the fraud department. I spoke with a representative. My husband and I had a three way conference call and explained what had occurred. My husband told the representative that he had paid the driver {$40.00} US in cash after being told the card was declined. At that time, the charge for {$1200.00} was reversed. 

On XX/XX/2020, I received a call from Capital One saying that the charge was not fraud because my husband had physically handed the card to the driver, a fact we had never denied. Apparently we should have been referred to the dispute department and not the fraud department. 

On XX/XX/2020, I faxed a dispute form with an explanation of what had occurred. We have no documentation of having paid {$40.00} cash for the ride. However, I asked for an explanation of why my husband had been charged {$1200.00} for a ride from the airport to a hotel. I received no explanation, and the charge was rebilled on XX/XX/2020. 

I noticed the re-bill on XX/XX/2020 and called to see if I could get an explanation of the denial and if I had any other options for disputing the charge. After a couple of hours on the phone, the people on the phone said they had no additional information, and I never received a written explanation. I wrote a final letter on XX/XX/2020 asking for an explanation of the charge and have not received any response. I have included copies of my correspondence with Capital One and the final lettter I wrote on XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

NOT MINE OR NO KNOWLEDGE OF ACCOUNT I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as requested
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JDJ Investments, INC. (TX)

I have an account with XXXX XXXX XXXX. I was in a XXXX  XXXX situation and had to abruptly relocate. The account was closed in XX/XX/XXXX. It shows I owed {$700.00}. On my credit report, it is showing that I opened the account in XX/XX/XXXX with CBS Collections. I have never opened an account with this company. I have disputed this and asked that they please report that this account was opened over 5 years ago, but it shows that the account is accurate. They are reporting monthly on my credit report. I do not even acknowledge this debt with the apartments. This has severely interrupted my life as it impacts my ability to secure housing in my name. Please help me with this matter.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I made one direct wire payment to Select Portfolio Servicing , Inc. On XX/XX/XXXX in the amount of {$650.00} for XX/XX/XXXX payment and two payments by direct wire service to Select Portfolio Servicing , Inc. XXXX XX/XX/XXXX in the amounts of {$650.00} and {$91.00} for " Other Fees ''. Select Portfolio Servicing , Inc. lost these payments until approximately XX/XX/XXXX, at which time I was approved for a trial mortgage modification. I sent the certified copys of the wiring confirmation and also my bank statements showing proof of the 3 cleared payments. They have brought my credit score down by XXXX points. They refuse to correct the score and reporting now that they have found the 3 missing payments. My payments I made were in well before the XXXX XXXX Grace Period End Date ) of the month they were for. XXXX XXXX XXXX XXXX XXXX has the worst record keeping and service representatives I have ever encountered. They need charged with fraudulent credit reporting and negligent erroneous record keeping. I had a 100 % payment record with no miseed payments from XXXX till XXXX, they have taken away something I was very proud of and continue to cause me financial injury by not restoring my perfect payment record. I have also sent them the first trial modification plan payment of {$510.00} that was due on or before XX/XX/XXXX. I sent it by XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX. The {$510.00} is being held in a separate part of my mortgage account till all 3 trial payments have been submitted properly. I just want my credit scores corrected with all 4 Credit Reporting Bureaus they use.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MD)

Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from Diversified Consultant as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

You have deemed the debt valid by putting on my credit report before sending me written notice and allowing me to dispute. The address on the documentation you attached was not sent to the correct address, they were all sent to an address that I no longer live at and the amount that is being stated I owed is incorrect.
Consumer complaint received 2020-04-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

my original 2nd mortgage was with XXXX XXXX but they had filed for bankruptcy. By letter dated XXXX XXXX advised that effective XX/XX/2020 I was advised that Shellpoint Mortgage Servicing would now service my loan. Made XX/XX/2020 payment and by an undated letter from Shellpoint I received my loan info including new loan number and balance. On XX/XX/2020, I contacted Shellpoint ( also known as New Res ) to inquire about bill to pay mortgage and was told a payment coupon should have been included with undated letter but it was not. At that time I asked for a pay-off figure for my mortgage thru XX/XX/2020 and the CSR took my info including my e-mail address and said I would receive the figure via e-mail within 48 hours. I did not receive my pay-off figure as indicated and called back on Thursday XX/XX/2020 I called and went thru same process of requesting pay-off and was told I would receive via e-mail. I also completed an on-line request for a pay-off figure thru XX/XX/2020 and it indicated I would receive figure within 5 days. Since I did not receive requested pay-off I called again ( XXXX ) and spoke to a CSR who stated that there was no record of my requesting a pay-off figure. I told what the previous CSR told me regarding receiving pay-off w/in 48 hours and she said why would they tell me that when she alleged it would take 5 days. I told her the CSR works for Shellpoint so go ask them. She apologized and again took all info and said I would receive via e-mail within 5 days. Since my first request was XX/XX/2020, I should have received it 4 days ago. Since apparently they are a collection agency I believe they delay providing the pay-off figure so they can make more money holding the loan.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXXXXXX # XXXX. On my credit file.