davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Collections account for {$450.00} reported to credit bureaus on or around XX/XX/2023 by Jefferson Capital Systems LL C I was never contacted by phone, writing or electronically in order to give me my legal right to request a validation letter. 
On or around same time I called to Jefferson Capital. 
Who could not provide me with any relavant information. This included no account number dates or any information of attempted contact to allow my a resonpe to the allefged debt. Instead i was provided with a phone number by a recorded message to call to a payment center. Called that number spoke to a rep who only had an amount due of {$450.00} and wanted to know how i would like to pay. I told them i was unaware of any account. They asked for my email. They told me the acc was associated with another email. They agreed to notify Jefferson Cap of this. I also requested a debt validation letter. Never recieved a response. I disputed this through XXXX XXXX to XXXX 3 times. No answers were given, other than to continue to alledge this was a valid debt from XX/XX/2023. The alleged creditor was XXXX XXXX. I called XXXX affirm and was told they had no record of an account from me at any time or around XX/XX/2033. I Jefferson Capital collection has failed to provide any proof, any relavant information, and they have relied on improper methods. Unable to provide me with any requested information i am legally entitlted to receive they remain unfairly stubborn and in intentional and complete disregard of my rights and in intentional violation of the laws governing credit reporting they refuse to remove this from my credit file causing me irreparable harm.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I was in  XXXX  school in  XXXX  at  XXXX  and when I went to the financial aid office I had  one or two da ys to sign my loans before school started. I got a " public loan '' fro m Navient as well  as private loan from  XXXX   XXXX . I got a telephone call fro m Navient on m y cell phone in  XXXX  asking if " I 'd like to consolidate my loans for a lower rate today over the phone ''.     I was in financial distress so I agreed to. However, today I still have about  XXXX  different loans under Navient, and they are all different interest rates and not consolidated into  XXXX  fixed loan or interest rate. It was all very confusing and of course I was going to say 'yes ' over the telephone if I thought I was going to consolidate my loans and lower my monthly payment. I 've been taken advantage of by Navient and  XXXX   XXXX  and it all started at the financial aid office at  XXXX .
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I was part of the XXXX glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response. As a result each credit reporting agency has now been alerted that I have new inquiries being reported and it bringing my scores down.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

There are grossly inaccurate items on my credit file. Equifax has had more than 30 days to correct these inaccurate items or at least verify and show me proof neither of those things have happened. This is an attempt to correct my credit report through my own due diligence. Please do not respond and say this is not me, I am recording all correspondence and will use these stall tactics in small claims they do not comply with the law. Attached is a letter to explain and prove the inaccuracies and my identification to prove who I am.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

XXXX : Salesman XXXX XXXX advised me that I could pay half at start, half at completion of services. Never showed me any paperwork saying he was going to send my info in for a loan. I wanted to pay this was because I 'd had a bad experience with another company prior, and was just trying to be smart. Told him that I 'd pay the entire amount up front, that I was just trying to be smart about it. He assured me that I would never have any payments to make, and not to even pay him. Pay the technician in a week the first half, and the rest upon completion. The only thing I saw to sign was on an electronic tablet with only a space for my signature. He then, that very day, without my permission, submitted my info to their finance XXXX XXXX for a loan. This put a hard inquiry on my credit report which negatively affects it. I paid XXXX the full amount immediately, and never dealt with the loan company. What the salesman did was fraud. That was3 months ago, and as of this posting, they still wo n't contact Equifax to have the inquiry removed. Be very careful when dealing with this company. 
XXXX HAS REQUESTED THE HARD INQUIRY BE REMOVED FROM MY CREDIT REPORT, BUT EQUIFAX WO N'T DO IT. I ATTACHED THE REQUEST FROM XXXX.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KS)

I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-07-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Bliksum, LLC (CA)

I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NC)

We owe Chase {$14000.00}. If we only owed  XXXX  at 20 % interest we would need 40 years to repay the loan. My wife is  XXXX  and her name is not  XXXX . We can not pay this loan in our lifetime. We called Chase on the  XXXX  of  XXXX  and talked with  XXXX   (   XXXX   )  and he said he could lower our interest to 6 %, payment of $  XXXX  /month but said  they decided not to help us. It was irresponsible of Chase to create an uncontrollable debt and refuse negotiation. It constitutes fraud on their part. I have both fraud and antitrust issues with them. I defaulted on loan.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TN)

There was an inquiry on my credit report in XXXX 2015 made from Discover company, I called Discover and stated to them that I did not apply for credit nor any goods from this company, This company called me and made an agreement that they will cancel the application and contact the credit bureau and ask them to remove the inquiry. The company discover did send me a letter but it is the fact that why it is taking longer than the usual time frame to contact the credit bureau to ask them to remove the inquiry off my credit report. I contact all XXXX major credit bureaus and the credit bureau that shows the inquiry which is from XXXX stated to me that Discover never did call or open up an send them an email to request to remove the inquiry, XXXX also told me that it never takes no more than a couple of days for a company to email them to ask for the removal of the inquiry. Discover has engaged in fraud and also made an attempt to open a application in my name. A month has passed by and the company Discover still has not agreed to what was been done and that was to ask XXXX in a email to remove the inquiry, There is no way that I can call XXXX and ask them to remove the inquiry the company Discover has to email XXXX and ask them to do it. But as of XXXX/XXXX/2015, XXXX stated that Discover never said anything, So I decided to file a compliant,
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (GA)

SETERUS is my loan service provider. I have repeatedly asked for their assistance in modifying my mortgage. I have had some financial difficulties which caused me to fall behind on my mortgage payments. They have provided very little assistance and indicated that they would start foreclosure soon. I have filled out the same paperwork several times and have not gotten any closer to getting a modification. I am in need of your assistance in getting a mortgage modification.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

Seterus can not seem to calculate the escrow payment properly. The escrow balance is {$500.00} to {$700.00} short each year. They want me to pay a lump sum rather than charge the proper amount. An alternate to paying the lump sum, they add the shortage to my principle balance spread out three years. This causes my principle to decrease at a snails pace. I called last year and advised them the " new '' escrow was not enough to cover the year without going less than the XXXX and even it goes negative XXXX or three times during the year. They have to borrow from somewhere to pay the county taxes or hazard insurance and the person I talked to seemed to think that was OK.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (GA)

This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

There is Public Record Information on my credit report that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, the CB 's are reporting as still active or satisfied. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (TN)

I mailed a Mu ltiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,  2017. T he request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states th at any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (GA)

XX/XX/2015 Exeter Finance Corporation debited " all '' of their borrowers accounts " twice ''. My called customer service XX/XX/2015 to pay {$350.00} for my XX/XX/2015 payment. The agent took the payment gave me confirmation & that was it. Days later I realized their were XXXX transactions for a total of {$700.00}. Exeter did not believe me for almost a week. It was 6 days later when they decided to reverse the payments & pushed back XXXX loan payments. Since this event I have been upside down in my loan my LTV is roughly 150 %. For approx. 1 year all of my payments have been going to " interest ''. I have paid roughly {$8000.00} & my Principal balance has only decreased by approx. {$2000.00}. I have called & lodged several complaints as most of all of my payments have been applied to interest even when I send an overage.
Consumer complaint received 2015-06-24
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Voss & Klein, LLC (FL)

Voss & Klein are reporting a collection account on my credit report, that has not been validated. I have never received any letter which gives me XXXX days to dispute the validity of their claim. Under The Fair Debt Collection Practices Act, I 'm suppose to receive a letter from Voss & Klein that gives me the right to dispute this claim before placing the item on my credit report. Voss & Klein says the original creditor is XXXX, I contacted the original creditor and requested a copy of a contract, or credit application with my signature, which I never received. I only received a copy of a billing statement with an address I never lived, and XXXX phone numbers that do not belong to me.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

I had an account with Self Lender / XXXX.I have contacted them on XXXX XXXX, XXXX via letter to inform them that my account with them was reporting an incorrect payment history as well as the date the account was closed was incorrect. Self Lender is reporting 3 different closed dates with all three bureaus. XXXX  is reporting a closed date of XX/XX/XXXX, XXXX  is reporting a close date of XX/XX/XXXX and XXXX  is reporting a closed date of XX/XX/XXXX. In addition XXXX  and XXXX   are reporting late payments on XX/XX/XXXX and XX/XX/XXXX, while XXXX  is reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However this account was closed in XX/XX/XXXX and I received a refund check that is attached for {$34.00} dated XX/XX/XXXX. Due to the date discrepancies and payment history discrepancies. I will like for this account to be deleted from my credit report.
Consumer complaint received 2016-02-11
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MO)

I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today, every hour since XXXX ). The problem is there is no way to stop the automated calls, even if you return the call. 
1. Call is a recording with a specific person asking you to return their call. There is no person on the line, and no option to get to a live operator. 
2. You call them and ask for the person who was in the message, as requested, but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer, I have to guess what it 's about. 
3. You can tell them it will be caught up by specific date, or whatever, but the multiple calls will continue until the next payment is made. 

I can understand a call a day until you contact them, but really, every hour, for the co-signer?