davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have been trying to apply for repayment options since XX/XX/2018. The total loan amount is approximately 17,000.00 I have submitted the requested paperwork multiple times, changing my monthly income stated as directed by the representative, and was told that the process was completed. I was then re-contacted and told that I did not qualify and that the process was not complete. 

I requested and spoke with a supervisor who provided me another option of consolidation. I called back to speak with a representative to ask a few questions as I was about to submit the new paperwork for consolodation. This new representative then told me that I was eligible for the repayment application and should not consolidate. Each representative has provided different, conflicting information. 

I still have not been able to complete the process and obtain a repayment plan that is manageable for my family.
Consumer complaint received 2022-07-27
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. (FL)

In accordance with the Fair Credit Reporting act, 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 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 your act without my written instructions.
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I was contacted via mail on XX/XX/2018 by XXXX XXXX XXXX to collect a debt on behalf of creditors XXXX XXXX XXXX XXXX XXXX. This debt was disputed on XX/XX/2018, citing I did not owe the debt. I requested that XXXX verify that I owe this debt in accordance with all state and federal laws within 14 days of receipt of my dispute. I heard nothing from XXXX until XX/XX/2018, and there was no debt validation or any information proving that I am responsible for this debt. I disputed their claims a second time via mail on XX/XX/2018, requesting that they evidence proof of the alleged debt, including alleged contract or other instrument bearing my signature. I did not receive any information that was requested to evidence my responsibility for this debt, yet this inaccurate account has been added to my credit file on XX/XX/2018. I disputed the account a third time on XXXX XXXX, continuously asking XXXX to verify this account. On XX/XX/2018, I received a letter stating that the debt was verified. Under the Fair Credit Reporting Act, I feel that my rights have been violated by XXXX because they did not correct, delete inaccurate, incomplete, and unverifiable information pertaining to this collection account. I specified that I would like to see the original contract, bearing my signature, accompanied by a photocopy of my Identification to verify that I'm responsible for the debt. I received nothing besides a letter that states it was verified, without evidence, which is highly questionable. I feel that XXXX  have violated my rights according to the FCRA. It is my hopes to rectify this amicably before It would result in legal action against XXXX.
Consumer complaint received 2022-12-28
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: LEXISNEXIS (FL)

I called XXXX XXXX for the past XXXX months trying to get a paper copy of my report because I was told when I try to get insurance that theyre reporting other peoples names at my address I continue to ask them not to do that to please remove it besides that I navigate the permission to give my information to anyone which they are doing. I try to get a report so that I can see everything they doing wrong. Ive called over XXXX times, they keep telling me theyre going to send that wait XXXX  days and it has not been sent as of yet I just called again and every time I call they make me stay on the phone like XXXX minutes asking me the same questions about my home address, my cell phone and my drivers license number then they tell me now that my license number is incorrect. I know my license number I have it in front of me so somethings happening. Im not sure what it is but I need help to resolve the situation. I need my report and paper form and I need them to not give out my information without my permission and when I get my report, I see all the incorrect information for them to fix it as well in a timely matter thank you.
Consumer complaint received 2019-01-13
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. (NY)

Equifax states that they do not have an account for me, when they do, I am attaching reporting from XXXX XXXX, from Equifax. Equifax sent me a letter asking for copies of my social security card and driver 's license. 

Equifax had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

XXXX XXXX claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as XXXX  retail card services. I have attached their XXXX  page as proof.
Consumer complaint received 2019-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (IL)

Option was not included in selections. I am having the problem of Ally Financial contacting my parents, aunts, uncles, and cousins. I have recently taken a severance package from my work. I am not currently working since then and am waiting for my severance pay. I have told them that is what i am waiting for to pay it and that it would be within 2 weeks and they keep calling all of my family multiple times a day every day and have been told to stop calling from my family members.
Consumer complaint received 2021-07-13
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: Mr. Cooper Group Inc. (VA)

I, XXXX XXXX, am the primary mortgage holder/signer/payer for my mortgage with Mr.Cooper Mortgage company for my property. My loan # is XXXX. My mother, XXXX XXXX is the co-signer to this mortgage although she is not the payer, I am. My mother is not on the deed of this property but only the co-signer. She has filed bankruptcy but my mortgage is now frozen and Mr. Cooper representatives will not discuss my acct with me because the co-signer, my mother, has filed bankruptcy. I have not filed bankruptcy and I am the one who maintains the loan. Her lawyer told me this is a violation and considered " Underhanded punishment for filing bankruptcy '' and that I need to file a complaint
Consumer complaint received 2021-07-13
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. (FL)

XX/XX/XXXX I Was in a XXXX XXXX ( that was not my fault ) that totaled my truck. 
I had been paying this loan on time, with no issues. My insurance company sent XXXX a check and the account was shown as XXXX XXXX as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to XXXX on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.
Consumer complaint received 2019-01-13
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: CITIZENS FINANCIAL GROUP, INC. (TX)

Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (KS)

I was called on XX/XX/XXXX about a debt originally from my JC Penny credit card through GE Capital dating back to XX/XX/XXXX. When I asked about the Statute of Limitiations on this debt they said it was 7 years. I asked again and was told 5 years. This is not true, according to Kansas Statute KSA 60-512 the limit for action on credit card debt is 3 years. 
The debt collector also said that they were calling to help us avoid being sued for the debt with a trial on Thursday XX/XX/XXXX. I have never recieved a summons for this date. 
On XXXX/XXXX/XXXX the debt collector called again and did not believe me when I told them the statute of limitations is 3 years but said she was not familar with Kansas Law. Again they said they were calling to help us avoid a court date this time on Thursday XX/XX/XXXX, again i have never recieved a summons for this court date. During this call I asked them for their name, company, and street adress. They said their name was XXXX XXXX from XXXX XXXX XXXX but would not provide a street address, saying that they can not give the address due to terroristic threats. They did provide a fax number XXXX. 
Also they continue to use my maiden name even though this debt is from after my marraige. 
I have tried searching for thier information using the Company Name, XXXX XXXX XXXX, the fax number they provided and the phone number they called from. I have not been able to locate any information about this company and am therefore unable to make any written requests related to this debt.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

We ( my wife and I ) are the victims of a Ponzi Scheme. We refinanced a mortgage in XX/XX/XXXX. My wife signed the note. I did not. The alleged Lender, XXXX XXXX XXXX XXXX, falsified our financial information, understated the finance charges by more than {$200000.00}, did not give us an accurate payment schedule, and also did not lend us any money. Another, non-disclosed financial entity seems to have funded the alleged transaction, but this entity was not licensed in Illinois to do so. 

On XX/XX/XXXX, we rescinded the transaction. We have a copy of the letter, proof of mailing, proof of delivery, and proof that we recorded the rescission in XX/XX/XXXX. 

To date, more than 3 years have passed, and all the parties involved have ignored the rescission, failed to pay us back, failed to remove all liens on our property, and have failed to do anything at all. 

They have continued to commit crimes in State Court by filing a Motion for Summary Judgement in XX/XX/XXXX, several years after they received the letter of rescission. We are still fighting Ocwen Loan Servicing, XXXX, as Trustee for XXXX XXXX XXXX XXXX, MERS, all their lawyers who are aiding and abetting, and XXXX XXXX. We need help. Your help. You state that you enforce the laws. These are felonies. 

They are time barred from collecting anything ( US Supreme Court in XXXX ; West Virginia Federal Court in XXXX XXXX XXXXXX/XX/XXXX XXXX ; Illinois Appellate Court in XXXX XXXX XXXX ). 

They refuse to stop. The Rule of Law does not exist in Illinois.
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (TX)

I am a XXXX XXXX XXXX XXXX XXXX and have full insurance through the dept of Veteran Affairs. This company by the name of " Americollect '' has placed a collection on my report in the amount of {$690.00} for a debt saying it is from XXXX XXXX XXXX. As a XXXX XXXX  XXXX Veteran, the main benefit that I receive is health care. This company has not billed nor validated that the debt is truly owed. All bills in my name are to be forwarded to the XXXX VA XXXX Hospital, with my social as the reference number. This is terrible that this company would try to collect on an invalid medical bill debt from a XXXX Veteran with insurance. Anytime I have ever been treated outside of the XXXX VA, it has been for a service connected XXXX. I am not sure it is legal for this company to add their interest to a debt owed either. The military lending act and SCRA state a cap on added interest rates. The entire entry on my credit report is invalid.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (PA)

VW Credit is reporting a delinquent account when in fact the account was in dispute. Because VW was unable to successfully repair the brakes after more than 4 attempts, I was directed by their dealer to turn in the vehicle and terminate the lease early. Months later, VW Credit began billing me for early termination without warning. I provided them documentation in writing that I was disputing the charges in their entirety. In the period where these charges were being disputed, VW Credit is wrongfully reporting me as delinquent in payments. Now that the account has been settled, they will not cooperate and advise XXXX or other credit reporting agencies to amend the record.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX American Express recevied the wrong payment amount of XXXX. I first contacted the bank and complained about this because the payment from the bank side was just pending. The bank said they wouldnt be able to do anything because the payment hadnt posted. I contacted American Express and notified them not to process the payment cancel the payment and they quickly processed the payment. Quicker than usual. Once the funds where taken from my bank account, I called American Express XX/XX/XXXX, and I was told by a representative ( XXXX ) that the check would be mailed the next day. Instead of mailing a check they have deducted funds from the balance so far a total of XXXX and still are holding on to my money. The account was not past due and a payment was not even required. They had already received a total of XXXX and where only owed XXXX to be exact but American Express was stealing money from me because they where taking payments from me but where not updating the balance. I have complained multiple times about this but have only received the runaround. So far I am owed XXXX American Express has also been taking payments but hasn't been updating credit card balance accordingly
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been going back and forth with the Transunion about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.
Consumer complaint received 2019-01-13
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: National Commercial Services, Inc (TX)

Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.
Consumer complaint received 2019-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

On XX/XX/XXXX, I was informed by my Home Owners insurance broker that my Home Owners insurance had lapsed. The insurance is paid via an escrow account and was up for renewal XX/XX/XXXX. The insurance company tried billing our preiovus lender which was XXXX XXXX. However, last spring we refinanced our home to HomeBridge. Apparently HomeBridge never notified our Home Owners insurance that they were the new lender. So when my insurance company was told by XXXX XXXX that they are no longer our Mortgage company , the insurance company didn't know what to do so they canceled the policy. My broker then had to get me a new policy which was an increase of {$200.00} per year on the premium. I went to HomeBridge with this information and asked them why they never contacted the insurance company. Their response is that it isn't their responsibility to do that. Clearly this is a BIG problem. I need help in understanding who's fault this is so that going forward this doesn't happen again.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX FLAT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2018-11-26
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. (GA)

I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, Equifax and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
Consumer complaint received 2021-07-13
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. (MT)

Experian refuses to remove a " settled in full '' account from XXXX XXXX XXXX. I have the supporting document showing it paid in full. 
Experian no matter how many different disputes leaves the account on with false misleading hurtful infirmation that is preventing my family from getting the help we need. 
XXXX  and XXXX  are on my side and removed XXXX XXXX because it is paid in full ... ... .. 
XXXX XXXX, XXXX Reference # XXXX completed by XXXX XXXX . Phone.XXXX Experian never even bothered to talk to the settlement agency to verify any of it. Experian has been highly negligent in the entirety of this matter. Please help.
Consumer complaint received 2019-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation (CO)

Lincoln Tech has destroyed me financially. They have several accounts against me FOR THE SAME THING. They have grossly over-inflated what they are saying I owe, and they are keeping MY Pell Grant money in the amount of {$2500.00} from me.

I was enrolled for ONE AND A HALF MONTHS, and they're  saying I owe more than {$5000.00} ( depending on what report you look at ). How?! I had Grant 's, scholarships and some loans. The loans were cancelled because I withdrew so quick. An ENTIRE month, was ORIENTATION, where all students and the instructors ... SAT AND PLAYED COMPUTER games ... how's that worth anything?! Let alone the thousands. I'm disgusted. No wonder they has a class action. No wonder actual shops DONT HIRE LINCOLN GRADS. 

They mislead and lied to me, which I find funny ... look at their CLASS ACTION LAWSUIT and this will all make sense. They declined to inform me of the procedure of accepting things like Grant 's. I just accepted my {$2500.00} Pell grant YESTERDAY to find that they accepted it on my behalf, and disbursed it ... sometime between XXXX and XXXX. 

They call my residence ( I live with my grandparents and daughter ) and if I'm not around due to work, etc, I come home to hear HORROR stories of how rude and disrespectful these people at Lincoln are to my XXXX YEAR OLD GRANDPARENTS. 

I resorted to looking into redeeming MY PELL GRANT that I worked hard for because I'm in a tough spot with my daughter. They stole from and lied to a single father, who's XXXX and was trying to better my life and my daughters.