davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Kohn Law Firm S.C. (WI)

I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MN)

I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted the following creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. The creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (SC)

Out of all of the XXXX major credit reporting agencies only Equifax makes it impossible to obtain a free credit report. Equifax also makes it impossible to use the dispute system listed on it 's main website. I feel as though this reporting agency is being deceptive in it 's dealings with the public and only wants to be of assistance to paying customers.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

There are XXXX accounts on my credit report that I have never heard of and do not appear on my other XXXX credit reports : XXXX and XXXX in the amount of {$91.00} ( which I have disputed ). The lien on my credit report has been paid and does not show up on the XXXX XXXX XXXX of XXXX website, yet is showing on my credit report that was ordered today. My credit information is being reported incorrectly. My credit card balance is lower than what is being shown on the credit report, and it is saying that my last car payment was made in XXXX of 2016. Since it is inaccurate, the balance is incorrect. I will be disputing the XXXX accounts mentioned- again. My Equifax score is XXXX points lower than my XXXX and XXXX points lower than my XXXX. This does not reflect well as I try to qualify for a mortgage loan for my first home. Why is Equifax allowed to operate without being monitored? Please notify me if anyone ever brings a class action lawsuit against this company. I will send the appropriate documentation by fax or mail upon request. I will have to print out from various locations.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AZ)

I went online to Equifax credit report and after fully identifying myself, informed Equifax that they were showing XXXX ( XXXX ) incorrect previous addresses on my report. The addresses were ( 1 ) my mother-in-law whom I never lived with. ( 2 ) my daughter, whom I never lived with, and ( 3 ) my previous work address that I have never used as a residence. After reporting these error on their online form, they incomprehensibly asked me to forward to them, a copy of the following documents:1. Valid drivers license2. S.S. card or XXXX form3. Utility billI can understand this request if they were verifying my current address, but considering that none of these documents have anything to do with the erroneous information on my credit report, I question the inconvenience of the means in which they want me to resolve this issue.
Consumer complaint received 2021-01-18
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. (NC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing 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 the accounts I disputed. Being that they have gone past the 30 day mark and can not 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 manner as soon as possible. Thank you.
Consumer complaint received 2016-06-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (GA)

My name XXXX dob XX/XX/XXXX had XXXX scam out of my account with Direct Express, I called and reported it within minutes of discovery, on XX/XX/XXXX.filled Out and returned paper work still no return of funds will be 4 weeks in 2 days, please help Me before I go broke.My Social security is put in this account, Direct Express has not meet Expectations.Thanks for any help. XXXX XX/XX/XXXX
Consumer complaint received 2016-11-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ATG Credit, LLC (FL)

In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. 
Please see the attached affidavit pertaining to the ongoing report.
Consumer complaint received 2016-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (AZ)

Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show I paid. This is unacceptable. I spoke to a XXXX XXXX and stated they will report it to the credit bureau. I would not have paid a dime unless the item was going to be fully removed. I had no idea what this debt is, but {$84.00}? Really? had they contacted me by phone or my address since what they had on file was a old apartment I lived in XXXX years ago. I was made aware when a mortgage lender pulled my credit report. So, I had to reach out to the original creditor to see if I can fix this with them update my address even tho I do not have XXXX anymore. Then, was told that Stellar recovery had the collection now and there was nothing they can do for me. I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: MSW Capital, LLC (CO)

FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, XXXX XXXX XXXX, the credit bureaus is not accepting their letter. XXXX consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact XXXX is not willing to contact the bureaus or help rectify the issue is a red flag.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (CA)

In regards to case # XXXX I just realized that this agency is doing this illegally. XXXX XXXX is from XXXX and this is how this bogus account came to being because XXXX told his associates to make up this debt to collect it from me. He knows about the code enforcement and the XXXX being aware that he was illegally pirating power and putting the charge on my account. I have my closing bill from XXXX, XXXX. and I will enclose it as a attachment
Consumer complaint received 2017-02-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NC)

I have been trying to get help with my student loan through Sallie Mae. I can pay my loan every month in full but I am living paycheck to paycheck. It is one of my highest payments each month and I have contacted them several time for assistance. They tell me I can go into forbearance but interest still accrues which will put me into even more debt on top of a {$150.00} payment every month that goes towards nothing. Recently, my interest rate was increased without notification and the only other way to lower it is to go on automatic draft. I do not have a problem with this but I like to pay my bills on certain dates and this will not work. I strongly believe they are being very dishonest with me and need help. I have no problem paying them but I have a problem that they will not help a loyal consumer get out of debt.
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (TX)

I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the XXXX of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount and incurred overdraft fees for Sallie Mae 's error. I called and informed them of the issue, and they stated I would need to print and fax over the overdraft fees so that they could resolve the situation I do this and a week goes by they claim they had n't received anything ( even though I received a fax confirmation ). After running in circles with Sallie Mae I finally get a manager after calling at an inconvenient specific day and time and he has me email him the statement of charges. Everything is rectified and I begin the program. I was leery of setting up auto draft payments after the nightmare I experienced, but I did anyway to remain in good standing with my creditor and ultimately be responsible. Much to my dismay, and to no surprise my account again is drafted on the XXXX of the 4th month 1. for an amount that was not agreed upon ( less than the agreed upon amount ) 2. for a date that was not agreed upon. I call Sallie Mae they are unaware of the agreed upon amount and they are emphatic that the date in question was correct. I am now over a month behind on my student loan payment and had to close my bank account because the overdraft fees and surcharges were well over {$500.00}. Sallie Mae is worthless, incompetent, and criminal. If at all cost I would avoid doing any business with them. I would n't borrow water from Sallie Mae if they were selling it they are certified crooks with little interest in the consumer satisfaction.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (PA)

FIRST REQUEST/Sent to Account Manager : On XX/XX/XXXX when I sent {$40000.00} to bring the mortgage up-to-date, I requested a statement to outline how the funds were distributed, along with mortgage coupons. The amounts from the XXXX ( XXXX ) lawyers involved did not match the last amount from the mortgage company. According to the calculations when they all matched, I sent {$390.00} over the amount due. I advised in the letter dated XX/XX/XXXX, that I would be using the overage to apply to future loan payment. I included all the documentation I had received to-date from the lawyers and them. Please note that the {$40000.00} included XX/XX/XXXX and XX/XX/XXXX mortgage payments. 
SECOND REQUEST/Sent to Account Manager : However, when I sent the XX/XX/XXXX payment on XXXX, I still had not received the statement requested on XX/XX/XXXX. I made the check out for {$140.00} less, indicating to utilize the overage from the {$40000.00}. In addition, I included another letter requesting a statement of how funds sent to date were being distributed and also included the documentation I sent with the {$40000.00}. 
THIRD REQUEST/Sent to Payment Processing Center : However, prior to sending the XX/XX/XXXX payment on XX/XX/XXXX, the Account Manager contacted my lawyer and advised him to tell me to stop sending him the payments and that I needed to send the {$140.00}, I did not include with the XX/XX/XXXX payment and to send payments to the payment processing address. He also stated that they do not send coupons Now what mortgage company does not acknowledge receipt of mortgage payments. However, I still had not received the statement I requested on XX/XX/XXXX and XX/XX/XXXX. So on XX/XX/XXXX I sent the XX/XX/XXXX payment with the {$140.00}, along with another request for a statement and coupons, to the mortgage processing address supplied by the Account Manager. I also made a verbal request to my lawyer to request a statement. 
FOURTH REQUEST/Sent to Payment Processing Center : On XX/XX/XXXX, I sent the XX/XX/XXXX payment, with a letter requesting statement and coupons. 
Please note that my lawyer has also requested this information several times on my behalf. 
So now I am soliciting your assistance to obtain a statement of how the {$40000.00} sent in XX/XX/XXXX was applied, as well as statements for payments sent for XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (KS)

On XX/XX/23 XXXX XXXX XXXX credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked XXXX, Equifax, and XXXX to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at XXXX but Equifax and XXXX continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

XXXX did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear American yet the spelling oa say atypical American name seems foreign say some XXXX  or XXXX
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (DC)

I recently applied for credit and to my amazement, saw that you are still reporting me as being late -- even though in XX/XX/2016, a representative from Suntrust agreed I had never been late, said the fault was Suntrust 's, apologized, and assured me Suntrust would clear the errors with the credit bureaus. 

Explanation : When I purchased my home, my loan payment was {$1200.00} then it adjusted to {$1700.00} in XX/XX/2016 without notice. I never received notice that it changed. I made my payment on time each and every month, but because of the amount Suntrust accepted the payment but did not credit the account, my payments were not properly recorded. Nobody said anything about a different payment in the branch. I visit the branch and make every payment. Then to further mess things up, Suntrust put one of my payments toward extra principle balance and reported me late on top of it!
Consumer complaint received 2016-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (PA)

I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.