davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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. (CT)

My balance is {$19000.00} with Navient and the advertised interest rate is about 6.4 %. My payment is $ XXXX/Month and there are 177 payments remaining, which means that if I ran the life of the loan ( XXXX ), I would have paid a total of {$29000.00}, of which {$10000.00} would be interest. 

That is 52.36 % interest, on a student loan that I was forced to take out because of the socio-demographic-economics of our country, where an education was force-fed as the only way I would be able to potentially lift myself and then family out of our low-income struggles, AND was disclosed as 6.4 %. Mind you, my degree I did earn and did very well at with a XXXX GPA, was in XXXX. 

These student loans, are predatory practices in which the companies and government, take advantage of the inelastic demand for them and charge students like me, egregious amounts of interest that force the borrowers to be stuck in debt their whole life instead of growing themselves out of their position and into a better life, which the loan for the education was supposed to do in the first place. 

I am formally filing a complaint for myself, and the millions of people in my situation because this should be illegal and it is flat out morally wrong.
Consumer complaint received 2020-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

This is a follow up to CFPB Complaint : XXXX-XXXX  The company is falsely reporting and is violation for the Fair Debt Collection Practices Act. Please see article 809 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section 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 a 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

They have provided NO PROOF to me the account wasnt satisfied.

The account was paid directly to the provider from my health insurance and a via money order. The ARS company would not have this as it was paid directly to the provider in question.

This account and collection is not valid and the ARS company is acting fraudulently.

In addition and prior to my written Cease and Desist this company ARS made multiple daily calls to my home ( XXXX ) some of these calls were outside of normal hours XXXX XXXX and late in the evening. ARS would call 8-15 times per day. The clearly were in violation of the FDCPA in the area of collection calls as well.

It is not my responsibility to locate EOB 's from my insurance company nor is it my responsibility to locate a money order from years ago. This account was paid in full. Clearly there is fraud happening on both ends of this weather it is from the collection company and provider remains to be seen. 

ARS has a responsibility to validate the debt, they have not provided valid data to support this collection.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DRS Financial LLC (NJ)

I never received written notice about this debt. Once it appeared on my credit report I have disputed it since I have never had an account with the collection company or the original creditor. The collection company continues to verify this is accurate information. I have tried mailing certified mail to the collection company in which it keeps being returned. I have all my certified mail receipts. Upon calling today the woman informed me that THEY DO NOT OWN THE DEBT! So please explain why they are reporting a debt they do not own on my credit report. This needs to be removed from my report immediately or further action will be taken.
Consumer complaint received 2020-02-25
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2020-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

2 years ago by balance with Navient was around {$5000.00}. I had sent up account with Navient and consistently payed Navient. Navient just last month sold to XXXX, in which XXXX is reporting my balance to be {$5600.00}. The last reported amount that I needed to pay was {$680.00}. I have repeatedly tried to call Navient to get the information that was passed to XXXX last month to get the correct balance that was transfered to XXXX but they have told me that they do not have any information regarding my account.
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

The account is not mine and it keeps getting put on my credit report. The account is in the name XXXX XXXX and my name is XXXX XXXX XXXX, I called the Debt collector and they told me the name the account was in, the company that had original account was XXXX XXXX. However, the the debt collector PDQ Services keep putting this account on my credit report after I have disputed it many times. XXXX XXXX is my Mother, who is now deceased and when passed in 2014 and was in her late XXXX 's.
Consumer complaint received 2020-02-25
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. (FL)

My credit score dropped almost 100 points because of a late payment. I contacted XXXX XXXX and made the payment right away. I made two disputes with Experian and nothing has been resolved. According to them Im still late in the payment and the payment hasnt been made
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

Lexis Nexis sent incorrect information regarding my minor daughter via C.L.U.E report to my auto insurance company which in turn is increasing my car insurance premiums considerably. My minor daughter just received her driver 's license on XX/XX/XXXX. When adding her to my insurance, my insurance company stated they received a clue report from Lexis Nexis via XXXX that stated my daughter was in an " at-fault accident '' back in XX/XX/XXXX. My daughter didn't even receive her temps until XX/XX/XXXX and her license on XX/XX/XXXX. The DOT would not even issue at temp license to a XXXX year old if she had been previously driving illegally and had gotten into an accident. I paid to receive my daughter 's Wisconsin DOT report which came back perfectly clean as well. I called Lexis Nexis and after spending 30 min on the phone with someone located in the XXXX, I was told they would not release the report information to me because I am not my daughter. To do so, they said I had to provide my daughter 's birth certificate, my I.D . and a notarized document proving I am my minor daughter 's legal guardian. So I've gotten absolutely nowhere with them trying to fix their error! Yet they are somehow allowed to sell my minor child 's information to my insurance company without permission???
Consumer complaint received 2020-02-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

We have had to file multiple XXXX  complaints against this company. They will not respond to emails, calls, etc. We have had nothing but issues with them. We have changed insurance companies, and they have mandated that we pay these policies in full, then they decide that they don't have to give the money back to us that we paid out to the insurance company. We have been emailing and speaking with the Compliance Department Director, as well as the letter had information pertaining to another one of their customers ( highlighted areas ) and have been advised that we are not entitled to the money that we have paid out to the insurance company. That it doesn't work that way. They will do a projection going forward of what we should be paying and the difference ( which is about 500.00 lower than premium just paid ) may be sent back to us. That all refunded funds are in the escrow account after they do the analysis. When we call they tell us one thing ( if we can actually get someone on the line ) and then the next time tell us they didn't say that, or something different. It took multiple faxes, and XXXX  complaints just to get information updated for our property taxes. If you look up this company on XXXX  they have a F rating and over 137 complaints for the same thing.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

I was injured and I couldn't not work for 2 years so i missed my payments and then I got back to work and for the last 3 years my payments were current. I had to file for bankruptcy protection even though I have been paying my payments for the last 3 years timely. I have asked Fay Servicing to provide my payment information history on the charges and credits and they sent me someones else 's information. My attorney asked for my information and they have yet to provide it still waiting after XXXX weeks. My lawyer returned the paperwork to them and we are still waiting for the correct paperwork. I have a property that I am selling that will bring me current with my payments, however, Fay Servicing still wants to auction off my house before XXXX time, not allowing me the chance to see close on my property which is under agreement.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VT)

Credit Acceptance Corp keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago. This is causing me further financial harm and leaving me with little recourse I may have to get an attorney involved. I had send an email to XXXX XXXX XXXX XXXX hopefully I will get some response.
Consumer complaint received 2019-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (TX)

I do not owe any bill. I have medicaid and medicare which is XXXX XXXX XXXX.. I have Provide it the company with my issues information in they refuse to take. I also I also had financial assistance to the hospital. I do not owe any bill.
Consumer complaint received 2020-02-25
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. (CO)

Experian is showing an erroneous " new '' late payment in the last 60 days ( XXXX XXXX ). I contacted the creditor, and they assured me the last time the account was updated was in 2016 ( almost four years ago ). So I checked the account standing on Experian 's website and sure enough, that also shows the last update to the account was in XX/XX/2016. However last month, this " new late payment '' appears under my alerts, accompanied by a 23 point dip in my score. I tried for hours to get a live person on the phone, never getting past Experian 's maze of automated options that deliberately land you at a dead end no matter which option you select. After filing a dispute and waiting nearly three weeks, the issue seemed to resolve as the " new late payment '' disappeared, and my score recovered. Now here I am, less than a month later and the same things is happening all over again. Experain is showing a " new '' " late payment in the last 60 days '' ( on the same account as before, with XXXX XXXX ), my score fell by 23 points, and I still can't reach anyone by phone in spite of a half dozen attempts. This is illegal false reporting by Experian.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (TX)

My identification was stolen in XX/XX/XXXX, and XXXX XXXX HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, XXXX  : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense. 

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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
Consumer complaint received 2021-02-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In or around XX/XX/2021, Capital One placed a hard inquiry on my credit report. I did not authorize such an inquiry, nor did I apply for any account with Capital One. Further, I have no existing accounts with Capital One. I called Capital One 's fraud department on XX/XX/2021, and they could not locate any record of me applying for an account or having an account either. Yet, they could not explain why they conducted a hard credit pull. 

I believe I may have been a victim of ID theft as I hard a hard credit pull from another financial institution made on the same day, but their fraud department proactively called me to confirm whether I had applied for a credit card with them ( which I had not ). That company then immediately cancelled the application, and I also put a fraud alert on my credit report with all 3 major credit bureaus. 

I am frustrated that Capital One took no action to note that I did not authorize their credit pull in order to avoid any fraudulent accounts being opened in my name, nor would they further investigate the matter to understand why they made the hard credit pull without my authorization, potentially in violation of the FCRA. I am also afraid that Capital One will allow a fraudulent account to be opened in my name given their inaction thus far.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (GA)

I filed for bankruptcy 16 years ago. However, my mortgage was not included in the bankruptcy. My mortgage with Wells Fargo used to be reported under their company America 's Servicing Co as paid and current. After my bankruptcy, Wells Fargo took over the loan. Wells Fargo is refusing to update or report my mortgage to the credit bureau. This has resulted in me not being able to ReFi or sell my current mortgage. My bankruptcy was discharged approximately 16 years ago. Wells Fargo is refusing to update and report my credit history. I would like for my Mortgage to be investigated and reported accurately as it did before the Bankruptcy.
Consumer complaint received 2018-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (VA)

Phoenix Financial Services ( hereafter referenced as " Phoenix '' ) is continuing to harass me with an invalid collection bill, months after it was paid in full. I would like them to cease contacting me or my family, with the exception of a written statement showing that the bill has been paid. 
In XX/XX/2018, Phoenix phoned my wife and me several times about a collection bill for {$430.00} for medical services from creditors XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX. We explained that we needed to investigate, because we believed that the original creditors had already been paid. Nonetheless, Phoenix threatened to report the debt to credit agencies unless we paid them, and offered a " discounted '' amount to resolve the issue. I declined, and explained again that if the debt was valid, I would pay, but that we needed to investigate the validity of the debt before paying. 
On XXXX XX/XX/2018 @ XXXX XXXX XXXX, because of my concern about a negative mark on my credit report, I paid Phoenix the full amount through their online system at phoenixfinancialsvcs.com. I continued to investigate the original alleged debt, but business travel in XXXX 2018 hampered my progress working with the original creditors. I have confirmed via my bank ( and bank statement ) that Phoenix received payment from me on XXXX XX/XX/2018, in the amount of {$430.00}. 
I then received another letter from Phoenix, dated XXXX XX/XX/2018 more than a month after I paid their bill again requesting payment of {$430.00} for a debt that remains outstanding, and offering a discount offer of {$280.00}. 
I called Phoenix on XXXX XX/XX/2018 @ XXXX am to ask why they sent me a letter when the bill had been paid months earlier. The Phoenix staff member indicated that it could be a mistake, but she couldnt see any record of payment on her side. She asked me to email or fax her my bank statement, which I declined to do for privacy reasons. She transferred the call to who XXXX, XXXX ( sp? ). 
During my conversation with XXXX, I asked her who at Phoenix could look up the record of transactions to find the payment, since she stated that she could not. She answered no one. I expressed disbelief. I ended the call, and called back minutes later to state on the record that I would transition to written communication only to address this issue going forward. I am concerned that these aggressive tactics may be a common business practice of Phoenix, to get people to pay invalid debts multiple times. 
I request that Phoenix consult their financial systems to verify receipt of payment of {$430.00} from me in XX/XX/2018. I would like them to send me written acknowledgement of the payment, confirming that there is no outstanding bill. After that, I would like them to cease contacting me or anyone in my family neither by phone nor by letter regarding this issue. 
Warm regards. Thank you!
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (CT)

lvnv founding llc. send letter to my job to take money from my pay i spoke to my job telling them i dont know about this i never receive ant letter form them they still giving them my money