davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NJ)

I have had a student loan with XXXX for about eight years. The loan was recently transferred to Firstmark Services ( servicer ). Within two months of servicing this loan, this company is already playing games. It has changed the original amortization schedule of the payment and pushed it out several years without any authorization ( or any request ) from me. There is no change whatsoever in any underlying fundamentals ( interest rate, or any other even ) of the loan. 

They are elusive in explaining me and I can not get a straight answer from them for how they could do this or how do I change it back to original schedule / payment terms.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have disputed the account XXXX XXXX with Equifax several times, and have even contacted the company since XX/XX/2016. The company/creditor listed on my credit file ( XXXX XXXX ) was contacted via certified USPS return receipt each time, I requested them to send me verifiable proof that this account is mine. I have never received any information from XXXX XXXX verifying that this account is mine, through verifiable proof or a contractual agreement that I had with them showing that I agreed to pay this amount. I have allowed well over the amount of time requested for XXXX XXXX to supply the information / proof to me. It 's been over 120 days, since I started the dispute. I have also notified Equifax that this was a fraudulent account and Equifax has done nothing to correct, rectify or investigate the matter. I have contacted Equifax on several occasions, once again via certified XXXX return receipt as proof, which their representative signed for each letter that I have sent them since XX/XX/2016. I called the Equifax four days ago and a representative told me that XXXX XXXX had been removed off of my credit file, however, I received two emails today, and therefore, called Equifax and the representative that I spoke to this morning stated that XXXX XXXX was still on my credit file report as an account reporting as closed account with a balance due. I asked her why, because the previous representative told me that the account was not showing on my credit file, however, the representative that I spoke to today, was very short and rude to me also. Previously, I had to request a manager. However, I have sent them all documents showing that my homes had been broken into, and Equifax has refused to take this account ( XXXX XXXX ) along with the inquires that were listed off of my account. I am asking for the assistance of the Bureau of Consumer Financial Protection to enforce the rights of the consumers by demanding that Equifax remove all inquires and XXXX XXXX from my credit file immediately! I have also attached police reports where my XXXX homes were broken into, and my identity was stolen, while I was away from my house over 6 months due to work related assignments. I have also attached a police report where my vehicle was broken into, as well. I have sent Equifax these same police reports, but they refused to upload the police reports, where my identity was stolen.
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MN)

I have attempted to contact Discover for over 3 months about an issue their website and the calculations of the current balance. Multiple times I have went to my activity and it computes my current balance with the following formula. Last Statement Balance - Payments and Credits + Transactions = Current Balance. However, many of the times when I review this information the math does not add up. Everyone of these times it has show that my current balance is more that it really can when you do the math. It makes it seem that Discover is simply taking this additional money and hoping that I do n't catch it. I have informed Discover of this multiple time over the course of 3 months. Every time I was told they were working on this issue but do not have an exact date as to when this problem with be fixed. Well, I have given them over 3 MONTHS to fix this issue and it still is not fixed. I feel that the company is not telling me the truth and actually are not working on the issue. This seems like a very unethical practice for a financial institution. How can a large company not resolve a simple IT issue?
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (TN)

On  XXXX   XXXX  of    2017  I was double charged {$660.00} for an enterprise purchase in  XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (FL)

this is such a long story, but I will try and make it brief. I have a credit card from US Bank. It ha a large balance, but I always make my payments. After my divorce settlement was finished, I called US Bank, made it so the account could not be used, and started making payments. On the card they show you XXXX options, XXXX is the minimum payment which takes 20 years to pay off, the next options is a large payment that takes only 3 years to pay off. I took the 3 year plan and for the past year I have made my payment on time and in some case XXXX payments a month. Recently I received a letter from US bank. It said that they looked at my account and determined they needed to raise my interest rate to 24 % I was astounded, why I asked myself, this was unfair, and unwarranted. I called, spoke to several people in different departments. They all said the same thing, there was nothing they could do. I lived in NY for a long time, we would call this kind of practice Loan Sharking. I do n't know how they get away with it.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Loancare, my mortgage servicing company failed to pay my supplemental property taxes even though we have an escrow account for property taxes. They did n't pay on time accruing late fees. They failed to inform us that they do n't cover supplemental property taxes thus leaving us to believe they were being paid. Then when I called to find out what was going on I found they paid the first installment late but not the second. So they pay them sometimes only when they want to? I could n't get a straight answer and they were really rude on the phone.They lied stating we were told about the supplemental not being paid however that proved to be false as well. I also have another complaint about XXXX XXXX mortgage co. who our loan is actually through, I think. By the way do n't get me started on knowing the difference between a loan servicing company and our actual lender. Anyway XXXX set us up for a second mortgage fixed rate only to find out after the fact it was home equity line of credit with no fixed rate!!! These mortgage companies are still doing shady things and getting away with it with no accountability. I have several friends who have similar stories of shady financial dealings with lenders. Since all of this we are refinancing with a much more straight forward company ; XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

There was accounts put on to my credit profile by AFNI, INC that were not Authorized by me and are Unverified and or Inaccurate and is in direct violation of FDCPA and FCRA Laws, this is a Copyrighted name and has Leagal ramificatons along with it and Litigation my be pending.
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MI)

I 've had this card for quite some time and until recently hide always received an email notification telling me that my bill was due I could login to my account online and pay my bill and have always paid my bill on time I have perfect credit there is not a late payment anywhere on my credit report abou t two m onths ago for some reason I never received a notification from this Bank I checked my spam folder I thought maybe for some reason they had mailed a bill but they claim they did n't mail anything to me there was no notification at all and they charged me a late fee I told them I received every other email that I 'm supposed to receive this is the o nly one and as k them to check into it now 2 months later this is happened again they 're not sending me notifications and then they 're turning around and charging late fees it 's not my fault they did n't have their it Department fix this 2 months ago whenever I told them about it and now they 're trying to take advantage of their customers
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Original loan was taken  in  XX/XX/XXXX - XX/XX/XXXX .   I  am a   XXXX   and after almost 12 years of making payments was told by my current servicing company that I was put into the wrong loan repayment plan for the loan forgiveness program and only have a few months t oward the ten year loan forgiveness plan.    It was through  XXXX   XXXX  I actually owe more mow than I did when I graduated. I ca n't get a mortgage.   I also received a much higher interest rate than I should have seeing that most student loans are at about  a 3 %
Consumer complaint received 2016-08-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (WA)

This is the 5th time this has happened. 
About once or twice a year for the past several years, Key Bank, with whom I have a home equity line of credit ( HELOC ) fails to send me a monthly statement. It just never arrives. Twice, I noticed before my payment was due. I called Key Bank and asked them to send me a statement ( after making sure no one else was charging anything on my HELOC ) and I made the payment over the phone or at a nearby branch. 2 other times, I did n't notice and did n't pay the bill until Key Bank notified me that my payment was late ( at which point I IMMEDIATELY paid and they waived their late fee ). Until today. Today, a woman named XXXX at the XXXX XXXX, WA branch called to inform me they would not waive the late fee. When I asked why ( since I was not tardy ... ..I 'd never received the bill! ), she rudely stated that they would n't and there was no point in discussing it further. I pay my bills on time. The only occasion in several years of having this HELOC that I did not was when Key Bank failed to send me a bill / statement. It seems inappropriate to charge me a late fee when they never sent the bill to begin with. Because this has happened on several occasions to me, I imagine it is happening to hundreds or thousands of others as well. Key Bank is likely raking in a fortune in late fee 's that they 've had a hand in creating. I would like the CFPB to investigate this further, and find out if this is a pattern designed to profit on consumers in an unethical manner.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

THIS COMPANY IS FALSELY REPORTING TO CREDIT BUREAU THAT I HAVE LATE PAYMENTS. I HAVE NO CONTACT OR ARRANGEMENT WITH THIS COMPANY.. I DO N'T OWE THIS DEBT THIS DEBT IS A FRAUD HAVE ASKED FOR ORGINAL INVOICE THEY HAVE REFUSED OVER TRWO YEARS AGO.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is reporting the outdated account  XXXX   XXXX , account number  XXXX . This account was opened in   X/2005 .This  account is almost 10 years of age which exceeds the time-frame to be considered as old or outdated. This account is not attached to any account and other credit bureaus deleted the outdated account however Experian has refused to acknowledge and honor that the account is outdated and has failed to remove the old  XXXX   XXXX  account. I am asking for you to please delete the account and if you verify, I am asking for verification as to how it was disputed and the name of the party who verified. I do not understand how verification is considered for an old account that is too old to be on the credit file but please provide the information so that  I may o btain legal assistance to have the old creditor removed and I can demonstrate that I have went through proper protocol for the deletion of the old debt.
Consumer complaint received 2016-09-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (IN)

Over the phone loan based on a " you qualify '' flyer from bigpicture loans. They told me I could pay it off in XXXX payments and that my payment would be {$100.00} per pay check because they would put me on special payoff plan. I borrowed {$500.00} after XXXX payments I called to make sure it was paid off and they said I still owed and had n't paid anything off, only interest and that it is set up for XXXX payments set up for 785.79 % that ca n't possible be legal. I called them and they said I just have to pay it because they post the rates and payment schedule on line even if I did agree over the phone, also they are a XXXX that is not subject to US Federal regulations. I now have paid {$980.00} and they say my loan is till {$420.00} out of the {$500.00} i borrowed. There is no way this can be legal, how can this be.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have submitted many claims to Experian with regards to this XXXX account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to XXXX and to XXXX.
Consumer complaint received 2023-02-27
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: CORELOGIC INC (CA)

Core Logics, XXXX, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (WA)

I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT
Consumer complaint received 2015-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (CA)

I would like to submit another complaint regarding my AFNI , INC collection account. I am so disappointed to see this inaccurate and illegal item still appearing on my credit report. I have asked AFNI, INC. to remove their unlawful account from my credit reports with the XXXX bureaus and they still refuse. I have told them repeatedly that I was aware of their illegal tactics they utilized to obtain my debt, attack and harsh me regarding this debt and finally fail to validate this debt or show me any signatures or anything owning up too it. All they have sent me is my statements from XXXX XXXX which SHOULD NEVER have been sent to collection as I explained to XXXX and AFNI that this account was overdue on the account of MAIL THEFT at my home. I have my police report number to provide XXXX. I spoke to both parties involved and was specifically told that once the debt was paid to XXXX i would have this account removed from my credit report. But, instead, in order to shoo me off and shut me up AFNI, INC. sent me a BOGUS recipe through your portal dated XX/XX/2015. starting that my debt was resolved and that it would be updated with the bureaus. Well this is WRONg, my debt was resolves a longs time ago with XXXX, i never receive a payment slip or anything from AFNI , INC ad they have no right to hold my credit report hostage anymore. If their employees are liars and they are scamming me out of money and saying whatever they think i was n't to hear just so they get my money and then refusing me what they promised then i would like their to be a record of their lies and cheating. I will not stop until they removed this account from my files with the bureaus completely. Their account is riddled with misinformation and because they have SIGNIFICANTLY violated CFPB laws i require that they remove this account immediately. I will not suffer because of them anymore. Already they harassed me and abused me over the cell phone with their robotic messengers and they forced me to pay to delete, though i had informed everyone that i was a victim of statement theft and identity theft. I can not believe these people. they forge documents and send them through your federal database and pretend that they follow the law and that they are a legitimate company but they are NOT! They are liars and sneaky and aggressive and they forge paper work and do not validate or verify any forwarded information! As a victim of identity theft and mail fraud i should NOT have to suffer! XXXX is also at fault here, obviously they did not communicate this withe their " vendors '' who abusively collect on their behalf. They all should have know that this should NEVER have been sent to collection. Then to lie to me and say pay it so it goes away, well where? LET IT BE REMOVED or I WILL PURSUE LITIGATION! I
Consumer complaint received 2022-10-03
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. (TX)

On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXXXXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AR)

I sent a letter to Experian dated XXXX/XXXX/15 to dispute some inaccurate items on my credit report. I then received a response from them dated XXXX/XXXX/15 stating that my letter was suspicious and not sent by me. I 'm not sure how they determined this when I even attached my driver 's license and utility bill to confirm my identity. I even called them on XXXX/XXXX/15 regarding the suspicious letter and the representative gave me a hard time and refused to do anything with my dispute letter.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

A debt for XXXX in the amount of XXXX dollars showed up on my account about a year ago. I have gotten this debt removed XXXX already and now it has popped back up a XXXX time, because the account keeps getting sold to another collector. I have supporting documentation that the previous collector agreed to remove the account from all XXXX credit bureaus.