davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I have astronomical private student loan debt from attending XXXX XXXX XXXX University. I was given false hopes and promises. I did not receive my XXXX in the end, but am only a few classes away, but was told I do not qualify for any more student loans. 

Navient has been servicing my loan. They have been lying to me. My mom co-signed a couple of loans for me and they harrased her morning, noon and night over the phone. 

They did not and would not give me options to have my co-signor/my mom removed from the loans. 

Navient also only gave me one repayment option. I have been paying {$460.00} and now {$480.00} per month for nearly four years. My loan balance continues to increase and my accrued interest continues to increase. I have paid them several XXXX dollars thus far and Navient will do nothing to assist in helping me lower my payments and the overall loan balance. They refuse to give me any other options.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Turning Point Solutions LLC (VA)

The debt was settled some time ago with the original company. They wrote off the debt and submitted a tax paper for funds that I now owed taxes on. I do n't have that information anymore. The tax papers have since been destroyed as the tax papers were over 7 years old. The business is closed. The debt was bought by another firm claiming to be Advanced Credit Solutions. In order to get them off the phone and they did not give me time to find any information stating the debt was settled ... I gave them an amount I would settle for and they sent me a paper for me to sign that stated I owed the debt and it was settled for an amount. I never signed the paper nor returned the information. I called them back on the number they gave me and it was a false number and part of a scam number. I reported them to my bank to stop payment immediately. They could not give me a true number. I refuse to pay for something I had in the past taken care of. They are playing on old debts that people ca n't remember. My bank investigated and they cleared me of the fee I had begun to pay. I am not paying people who lie and give me spam numbers as call back numbers. At the moment I am not sure what the number was but it was in my report to XXXX XXXX dispute department. 

They lie and prey on old debts that no one can prove if they took care of the debt. They have many alerts and information on scams and I know they recorded my call so they should have that as proof I was denying the debt in the beginning and their strong arm techniques to get money from me. Even documents they sent me had different numbers on them from the numbers they gave me to call them. 

I think if you research the debts they are trying to collect on, they are debts from companies that no longer exist. 

Thanks for listening.
Consumer complaint received 2017-08-01
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. (AL)

I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My original mortgage company sold our mortgage to a company called Specialized Loan Servicing Company. They are refusing to send us a monthly statement showing what our payment date is, escrow, principal, etc because we filed bankruptcy in 2011. This company has a licence in XXXX, NY for a collection agency with no physical address. They also claimed that there is a investor in our home. I contacted the XXXX and this company has an F rating. We are current and up to date. I do n't know what to do, they will only accept payments from XXXX XXXX or direct access to remove payment from our bank account. We need help.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (ID)

After rehabilitating my loans I was again working with Navient directly. When I called them to express financial difficulties at the time they gave me information on deferment. I submitted the paperwork and am still currently on deferment however I did not k ow there were other options for me on my loan and tht never provided alternatives.
Consumer complaint received 2020-08-22
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 (KY)

I am sending another complaint because this account still shows as open and states it has been charged off 37 times on my credit report. I am attaching a picture of my XXXX credit report versus my XXXX credit report. In XXXX the account was closed and held a less amount. In XXXX the charged off account shows as open with a higher amount. It is also now reporting as late payments when before it was showing an N for  negative. You are not supposed to reopen a charged off account. You also should not be showing my payments as late because I have not made a payment to you all since XXXX.
Consumer complaint received 2022-09-14
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. (FL)

Since XX/XX/XXXX, I've been trying to fix different inaccuracies reporting on my credit report, I have reached out to the following companies. XXXX, Equifax, & XXXX. I have lived at the address on my drivers license for over 2 years and I have sent in documents to the 3 bureaus to update my address and delete all previous addresses, along with my jobs, unauthorized inquiries also showing them proof and asking for reinvestigations. That I have not received to this day XX/XX/XXXX. I've disputed inaccurate information reporting on the following accounts and requested the reinvestigation and the 3 bureaus haven't sent me the information for unauthorized Inquiries. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax The following accounts for late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - Child Support These unauthorized and Inaccurate information are hindering me from acquiring credit and loans. It's costing me XXXX, bad health, pain and suffering. I'm having a hard time supporting my family, to the point the my wife has left me and seeking a divorce.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next XXXX  days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2019-06-04
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: Green & Sons Agency, Inc. (UT)

OUTSOURCE RECEIVABLES stated in their previous response to the CFPB XXXX that they had deleted all reporting to the credit bureaus yet have provided FALSE information to a federal agency! 

This is the information directly from XXXX portal : OUTSOURCE RECEIVABLES Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

OUTSOURCE RECEIVABLES not only has provided FALSE information to a federal agency but have failed to provide 100 % Accurate/ 100 % Verifiable information to the credit bureaus. They admitted to the CFPB XXXX that they were attempting to get the police reports yet are CERTIFYING THE DEBT to XXXX. 

" FALSIFYING STATEMENTS TO THE CFPB and CERTIFYING TO THE CREDIT BUREAUS '' Report Number : XXXX Date Generated : XX/XX/2019!!! 

They need to be FINED PERIOD!
Consumer complaint received 2018-07-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2018 my vehicle was repossessed. I was confused as to why it was taken seeing as we had already sent the payment to them to try and stay current with the bill. We called and as it turns out the payment we had sent didn't go through because of a typo on the routing number we never received a call a notification email a letter ... Nothing saying our payment didn't go through. When we told USAA this the person on the phone could clearly care less and told we would have to pay the ban XXXX in order to get back into the vehicle plus the repo and storage fees. After hearing that I agreed we would've been more proactive in making sure the payment have gone through and told her we didn't have the money that instant but would come up with it Ina few days but I'd like to still talk to a supervisor to make sure there's absolutely nothing they can do to help us we were told there was no supervisor there to talk to us and that we would be put on a call back list. I agreed well the second of XX/XX/XXXX rolls around and still no call back. So i call again this morning having got the money together and decided robust make the payment they wanted. Well apparently that's not good enough for them anymore and now they want the loan payed in full. Now they are just playing games had I had the amount a few days ago i would've been back in my vehicle that day how things change so drastically by just a few days it's ridiculos. So again I ask to speak to a supervisor I'm told there's not one available to transfer me to because there's an issue with the phones I ask if I can just stay in hold until they figure it I'm told no because she has other members to help and I need to wait for a call back i ask if he supervisor could just walk over and use her phone again I'm told I need to wait for a call back. So I agree and they hang up. A few hours later I figure what the heck maybe they fixed the issue I'll try again. So I call back again I'm told there's no supervisor available that they've been in a meeting all morning and that's why their not accepting calls ( apparently the whole phones not working story was XXXX ) but at least she was kind of to hear me out and listen to what happend and told me she'd email the supervisor directly and ask him to call me as soon as possible. Well all this waiting would be fine and dandy if I was accruing more and more storage fees the longer my vehicle stays at the lot. And If I wasn't told something different every time I call. They will not give me an extension to their supervisor not any other number to any of the higher level management they reside to give me the contact info to anyone nor do they have it on their website
Consumer complaint received 2016-02-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We have submitted numerous documents to obtain a loan modification from Specialized Loan Service, ( XXXX ) Loan No. XXXX. I never received their correspondence, even though I had a forwarding address since XXXX XXXX, XXXX ; they sent mail to the old address. I recently received the letter dated XXXX XXXX, XXXX, on XXXX XXXX, XXXX. I never received the requests for documents that were mentioned in the letter, and SLS has not set forth the documents that are needed. A Trustees Sale is set for XXXX XXXX, XXXX at XXXX. 
No reason for declining the modification was stated. We have submitted a new application.
Consumer complaint received 2020-07-21
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. (FL)

ihave asked numerous times for Equifax to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Equifax has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a XXXX XXXX XXXX. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Consumer complaint received 2019-06-04
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: Experian Information Solutions Inc. (CA)

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX XXXX, XXXX   XXXX XXXX
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (OK)

XX/XX/2018 I was informed that XXXX XXXX was going to help me lowered my student loans. I was also informed that if I pay them {$100.00} a month they will helped me cut my student loan in half. However, this did not process thru it only made me paid double for my student loan. My original student loan wasn't cut in half it remained the same while I'm getting charged {$100.00} a month for 10 months.
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX was used to transfer money to a recipient for securing a lease on a property. Bank of America claims the service is safe and secure. 
The money was directly transferred and the recipient disappeared. Bank of America is stating there is no guarantee money will be returned and will likely take 45 days or more to make that decision.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

XXXX. Inaccurate Reporting : XXXX and Equifax has consistently reported inaccurate information on my credit report, including erroneous account statuses, incorrect payment histories, and inaccurate personal information. 
XXXX. Unjustified Score Drops : Despite maintaining a positive credit profile, my credit score has inexplicably dropped by more than XXXX points without any changes to my credit behavior or financial circumstances. 
XXXX. Lack of XXXX : Despite multiple disputes and requests for correction, XXXX and Equifax has failed to take appropriate action to rectify the inaccuracies and restore my credit score to its rightful level.
Consumer complaint received 2021-09-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: LoanCare, LLC (HI)

Back in XX/XX/2020 when COVID-19 had recently begun my mortgage was in a Forbearance program with XXXX/LoanCare because I was having some difficulties paying my mortgage. My son was helping me pay the mortgage but with COVID coming on the scene he got laid off. 
It was around this time that I was contacted by XXXX XXXX XXXX XXXX XXXX. They claimed they could help me. They would investigate my current mortgage to see that operating procedures were legitimate and they would also inquire with the many programs that the federal government has, to try and see what help I would qualify for. They would also negotiate with the owner of my loan to see if they could get them to give me a lower interest rate. According to XXXX XXXX XXXX it normally would take no more than 120 days. During the process they would keep me apprised of how things were going. They had me sign some paperwork i.e, Author. to Represent Form, Notice to Cease & Desist, and a " qualified written request '. They would call me once or twice a month to tell me " everything was fine '' but would not give me specifics. XXXX is the first month that they have not contacted me and they have not returned any my calls.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Legal Recovery Law Offices, Inc (CA)

Received a call on XX/XX/XXXX will include. 
Called number they had last 4 numbers of social security number. 
Someone name XXXX told me I owe around {$2000.00} plus for credit card XXXX XXXX XXXX. 
If did not pay now. I will be charged a court cost that would make around {$4300.00}.

I did let him know that I could not recall the card He told me I open it in XX/XX/XXXXand XX/XX/XXXX it when it went bad. XX/XX/XXXXtill now just getting informed. No written letter! 

After getting my brain to work - I called again Same person told me that I open account in XX/XX/XXXX- went bad in XX/XX/XXXX this time. 

Told him needed to ask 2 questions date of last activity & when did they received this information. He refused to answer. 

If this debt is minds it would be time barred California credit card 4 years )
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (CA)

Account open started on the letter shown XX/XX/2020. Supposed creditor is XXXX but the I do not have and have never open a XXXX account before. 

Date of the letter is on XXXX XXXX with a balance of XXXX.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

The mortgage serviced XXXX recently partnered with loan care. I was in the process of getting my PMI dropped off since I have met the 75 % minimum equity required and even paid for an appraisal through XXXX to have it done but since I was transferred midway through I have not been able to get a response from loan care. This is time sensitive since the appraisal is only valid for a set time period. 

I have submitted 2 online requests asking for a call and nothing and have called he phone system at XXXX numerous time last and can not get a person on the phone since the system just keeps putting you in a loop and wont let you speak to anyone ever I feel like they like the servicer is violating the act that allows me to drop off my PMI since I have met all criteria and have not received a timely response
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i am trying to get a loan modification from abnk of america, and the keep asking me to send them more paper work, and more paperwork..My name is XXXX and XXXX XXXX XXXX, and my loan # XXXX
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I recently contacted Best Buy Credit Card-Citibank to get any and all dispute comments permanently remove from my Best Buy Credit Card file. Their credit services dept remarked the don't have a credit bureau department to do that. So, I then contacted all three credit bureaus who immediately erased the disputes comment. Within a few days I received credit alerts from XXXX  stating that the comments were added back to my Best Buy Credit Card File.