davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CO)

This company falsely repossessed my vehicle after Ive made my payments timely. They racked p additional charges and late fees and despite me making a payment to bring my account current within less than 30 days of delinquency they repossessed my vehicle. In order to get the vehicle back I had to pay over {$1200.00} in tow fees and processing fees. My husband lost his employment due to COVID and we are down to only 20 % of our normal income. We explained this to Westlake several times and yet they refused to work with us. The greed and inhuman acts of this company should close their doors for good so they cant take advantage of consumers. They are inflating interest, penaltys and fees to gain more profit and that is just simply wrong during these hard times. At this time I would like a full refund for vehicle. The damages caused by the tow company broke the alignment and caused additional damage to vehicle that we can not afford to fix. I would like a full refund of {$9600.00} for the amount Ive paid for the vehicle, plus repossession fees of {$1100.00} and additional penaltys of {$20000.00} In damages.
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

Americollect located on XXXX XXXX XXXX XXXX. in XXXX, WI attempted to collect alleged debt with Reference # XXXX on behalf of XXXX. First collection attempt occurred via mail dated XX/XX/2022. A debt validation letter was sent to Americollect on XX/XX/2022 via certified mail with return receipt. Americollect received this letter, but failed to respond. 

Americollect again attempted to collect the alleged debt on XXXX XXXX, 2022 in violation of the FDCPA.
Consumer complaint received 2021-07-19
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: I.C. System, Inc. (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my XXXX, equifax, and XXXX credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!
Consumer complaint received 2022-09-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I called my loan servicer on XX/XX/2022 to refund payments that I made during the Covid-19 forbearance. These payments total {$26000.00}. Since then, I have not received any confirmation about his request, and have also called and emailed the company. Moreover, about {$1000.00} of the refund payments are from a checking account that is no longer. I've repetitively contacted the servicer, but have not received a refund check, an updated balance, nor much information.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 35 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper will not stop calling asking if we'd like to refinance or borrow against one of our rental properties which we have on the market for sell. They call 2 or 3 times per day and I have informed them to stop calling each time for the last week. Calls persist.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loancare which is a service provider for XXXX disconnected my auto payment without any notice. I had to call and talk to customer care for hours, which was very difficult to contact. They never gave me a clear answer on how they disconnected my auto pay which was set up by XXXX. After contacting them they promised to reconnect my autopayment but unfortunately that never happened. 

They messed up my credit and finally I paid off my loan as I did not trust them any longer.
Consumer complaint received 2019-09-15
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. (TX)

XXXX XXXX XXXX : Equifax breached caused the major violation this has taken more than 45 days which is also a violation XXXX charge off was also included in the report
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from credit XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXXXXXX XXXX  Account Number XXXX Balance {$3400.00} XXXXXXXX XXXX Account Number XXXX Balance {$16000.00}
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

I was a student at XXXX XXXX from XXXX - XXXX, while applying for financial aid the financial advisor at this campus never went over interest rates, early payment options or any financial statements other than approval for the loan or not. 90 % of my loans were not applied to federal aid, forcing them to privet companies, Sallie Mae in this instance. Being a financial advisor at a for profit school and having young people not knowing any better couldn't have been easier. I have been trying to work with now Navient ( was Sallie Mae ) on getting this loan refinance or discharged for at least 10 years now. I've been outright told at least a dozen times that I do not qualify for a lower interest rate or refinance option because I make my payments on time. Navient has declined my attempts to refinance these loans. I asked how much I have paid towards the principle and was told around {$12000.00} over the past 14 YEARS. When I asked how much I've paid in interest they hit me with {$70000.00}. The original loan amount was around {$48000.00}. 

Today, there isn't a student loan refi company that will entertain my loans being refinanced for a lower rate because I attended XXXX XXXX from XXXX. Navient continues to refuse refinancing my loan and refuses to lower my interest rate so that I can pay them off. 

Fortunately, I have been been able to may my payments on time, but at what cost? 
I have been unable to purchase a house, car, certain jobs or get other loads due to the burden of these loans. They have taken their toll on me mentally and financially.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I refinanced my HELOC from U.S Bank, and after it closed, they updated my payment history of it and state there was a missing payment. 

U.S Bank states that I missed a payment in XX/XX/XXXX and even though the account never went past 30 days, I was paying a month behind all these months up until closing the account in XX/XX/XXXX. 

Problem is, that I actually called in XXXX and asked why I was getting a late payment fee every month, and the banker did NOT state I was paying for the prior month every time. I went ahead and paid the total that the APPLICATION told me was due at the time and she simply WAIVED the late fees of the previous months and I assumed she corrected whatever was causing those late fees. 

If I would have been told I was behind one payment then, I would have done a double payment to make it current. 

To top it off, their app NEVER stated any " past due balance '', and since XXXX, I was making my payment assuming it was covering THE CURRENT month. 

Now after closing the HELOC, this MISSED PAYMENT has affected my credit score.
Consumer complaint received 2022-08-19
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. (NJ)

We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXXXXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX XXXX all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473
Consumer complaint received 2020-08-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (NY)

Three problems : ( 1 ) The company has repeatedly threatened to inform credit agencies of my delinquency. Although this is stated in their policies, ... 

( 2 ) ... They demand more than 50 % of income is paid per month towards my student loan debt. I consistently request with phone calls and in-account secure messages to accomodate my income and adjust my payments to at most 40 % of my income ( I request approximately 400-500 USD per month at maximum and this is roughly that ). I also had requested deferment because of the coronavirus a few months ago in XXXX 2020, but they had rejected my request - even though they have a coronavirus relief program - because I was in delinquency. They consistently give me only short-term solutions for a few months at a time, but the payments then are raised even further because of interest after the short-term help is finished, despite the fact that my income hasn't improved. 

( 3 ) I requested a student deferment and they rejected my application stating that my university isn't accredited. I gave them the webpage profile on the Department of Education website verifying that my university is accredited. And now I must pay back the almost 800 USD in student loan debt per month in addition to my roughly 200 USD per month for my course assessments in my XXXX   program? ( I'm a XXXX. ) It's not that I don't pay anything. I often pay back as much as I am capable every month so I don't starve or can't pay for basic necessities.
Consumer complaint received 2021-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

I have reason to believe, and do so believe, that this Navient Solutions did not loan me anything and I do not have any alleged debt with Navient Solutions. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. Navient Solutions then at some point, purchased this alleged debt and is now attempting to collect on it fraudulently. I have reason to believe pursuant to 15 USC 1692j ( a ) Navient Solutions created and furnished a deceptive form in the attempt to make me the consumer think I got a loan and they are entitled to payment. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response by mail. Navient Solutions has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (FL)

I have used credit karma for a couple of years and received multiple " pre approved '' offers via credit karma. 

I applied for at least 2 of them and was denied. My credit did go down as a result each time. I may have applied for a 3rd but I am not positive if I quit applying for them after the second or third denial.

I do not know if these denials resulted in a hard inquiry, I do know my credit went down appropriately 2 points each time. 

I also applied for 2 credit cards claiming no hard credit check and builds credit hat l was approved for. When they were reported to my credit it lowered my score by 42 points. 

At this point my credit is lower after following credit karmas " advice '' than it was when I began using their service. 

I do believe they are using misleading advertisements to entice people into applying for credit that they either don't qualify for, and also by misleading customers into thinking taking the suggested actions will truly help build credit. 

I have also paid extra on credit card payments because they claimed it would have a positive impact on scores, but the changes were less than claimed and pretty much negligible.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Equifax has my Last name Incorrect, I have sent the birth certificate, license, and ss card, along with fid card and they will not fix. I have paid off loans and it shows still open with balances. I have contacted them by phone, by disputing on line, faxing them documents I dont know what else to do please help. Thank you XXXX
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goodman Frost, PLLC (MI)

XXXX XXXX XXXX Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney Goodman-Frost for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (NY)

Jefferson Capital called me today I told the woman that I couldnt speak to her at the moment because I was helping my daughter with homework for school she calls my mothers home phone 5 mins later I told her not to call that number because it wasnt my phone she began to become very rude and told me She can call all she wants until I spoke to her I said legally she couldnt because we were on a recorded line and I asked her not to call Ive also asked for the debt in writhing which I never received
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, my credit report showed I had an outstanding debt to XXXX XXXX in the amount of {$370.00}. On XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX and paid that debt over the phone. I paid {$420.00}, {$370.00} plus late fees. They emailed the receipts to me. 

On XX/XX/XXXX, I sent a notarized statement to XXXX XXXX requesting they correct my credit file after I paid my debt in full on XX/XX/XXXX and it was still showing as unpaid on all 3 credit agencies. I received no response from XXXX XXXX. 

On XX/XX/XXXX, Equifax updated my credit report with a different creditor name for the same amount and same account number. I have no knowledge of an account with XXXX XXXX and they should not have ANY information attached to my medical records at XXXX XXXX. 

On XX/XX/XXXX, I sent a notarized statement to Equifax, along with receipts from XXXX XXXX, copy of my ID and social security number, and proof of residency. I requested that the incorrect record be removed from my credit file. 

On XX/XX/XXXX, Equifax sent a letter stating that the debt is valid and is still being reported as XXXX. 

It is unlawful for Equifax and XXXX XXXX to knowingly request that I pay the same debt twice. It is unlawful for Equifax and XXXX XXXX to knowingly report incorrect data on my credit file.
Consumer complaint received 2021-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NJ)

I have a number of private student loans with Firstmark Services. I am trying to refinance my loans to lower my monthly payment. I've called Firstmark Services serval times ( XX/XX/XXXX, twice onXX/XX/XXXX, and several times in the prior weeks ). When I contacted them about lowering the payments, they informed me that they only service the loans. They are not the lender and can not change the terms of the loan. The original lender was XXXX. I received a letter from XXXX on XX/XX/XXXX informing me that they had transferred the servicing of my loans to Firstmark Services. ( By the way, Firstmark Services says they can not do any modifications only forbearance. ) When I asked Firstmark Serrvices for information on the lender, the name I was given was XXXX XXXX XXXX XXXX XXXX ( XXXX  ). When I asked for contact information for XXXX, I was told that since XXXX had sold the loan to XXXX  in early XXXX, they did not have the contact information for me. I tried looking online myself and also could not find a phone number. This is completely unacceptable! I am paying monthly on loans and can not get the contact information for the lender. 

I am concerned that these banks and servicers are intentionally making it difficult for consumers. ( On a related note, I was told by Firstmark Services that I should seek to refinance my loans through a 3rd party lender. I tried that option but was unable to do so because I have a high debt-to-income ratio ( even though I have a high credit score and never miss payments ) It is precisely because I pay so much in student loans monthly that I need to reduce my monthly loan payments. )